Tracy, CA · standard
ZIP Code 95376
San Joaquin County, California — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 49,859
- 2,523/sq mi
- $102,555
- Median income
- $618,100
- Median home value
- 20.7%
- Bachelor's or higher
The verdict
Tracy pairs an upper-quartile household income with top-decile home values, in a suburban-density, homeowner-dominated area.
- Top 17%
- household income, US ZIPs
- Top 9%
- home value, US ZIPs
- 2,523
- people per sq mi
- 62%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 95376 against every reporting US ZIP.
ZIP code 95376 is classified by USPS as a standard delivery area and covers roughly 19.8 square miles in Tracy, San Joaquin County, California. The area is home to 49,859 residents, producing a population density of 2,523 people per square mile, and falls within the Los Angeles time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 95376 against California and the nation.
On the economic side, the median household income for ZIP 95376 sits at $102,555 (1% above the California average), while per-capita income is $39,013. The poverty rate stands at 10.5% and the unemployment rate at 6.3%. On housing, the median home value is $618,100 (20% below the state average) with median rent at $2,171 per month, and 61.6% of occupied units are owner-occupied, a direct signal of whether 95376 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 20.7% of adults hold a bachelor's degree or higher, the median age is 34.7, and the average commute is 40 minutes. We also surface 4 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing San Joaquin County, so you can benchmark 95376 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 95376
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 95376.
- Health care and social assistance
Health care and social assistance
158 establishments
- Accommodation and food services
Accommodation and food services
140 establishments
- Retail trade
Retail trade
125 establishments
- Other services (except public administration)
Other services (except public administration)
115 establishments
- Construction
Construction
113 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 95376, Tracy, CA · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.
Quick Facts
49,859
Population
19.8
Area (sq mi)
2,523
People / sq mi
Los Angeles
Time Zone
standard
ZIP Type
Who lives in ZIP 95376?
34.7
Median Age
49.3%
Male
50.7%
Female
25.1%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$102,555
Median Household Income
+1% vs state
$39,013
Per Capita Income
10.5%
Poverty Rate
6.3%
Unemployment Rate
40.2 min
Mean Commute Time
How ZIP 95376 ranks nationally
Household income vs. every US ZIP code
Median household income — the full national distribution, with this ZIP marked
$102,555 Top 17% higher than 83% of 30,318 US ZIPs
Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau — ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
17,699
Total Housing Units
16,981
Occupied Units
718
Vacant Units
3.20
Avg Household Size
Occupancy Type
$618,100
Median Home Value
-20% vs state
$2,171
Median Rent
1985
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+2.4%
YoY Change (2024)
258
HPI Index (2000 = 100)
+158%
Total Change Since 2000
Home values in ZIP 95376 have increased 2.4% over the past year (2024). Since 2000, this ZIP has seen +158% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +2.6% | 190 |
| 2021 | +18.1% | 225 |
| 2022 | +16.8% | 262 |
| 2023 | -4.1% | 252 |
| 2024 | +2.4% | 258 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 1,109 business establishments in ZIP 95376, employing approximately 16,349 people with a combined annual payroll of $991,538,000.
1,109
Businesses
16,349
Employees
$991.5M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Health care and social assistance | 158 | 14.3% |
| Accommodation and food services | 140 | 12.6% |
| Retail trade | 125 | 11.3% |
| Other services (except public administration) | 115 | 10.4% |
| Construction | 113 | 10.2% |
| Transportation and warehousing | 100 | 9.0% |
| Professional, scientific, and technical services | 86 | 7.8% |
| Real estate and rental and leasing | 61 | 5.5% |
| Administrative and support and waste management and remediation services | 53 | 4.8% |
| Finance and insurance | 51 | 4.6% |
| Wholesale trade | 42 | 3.8% |
| Manufacturing | 24 | 2.2% |
| Educational services | 17 | 1.5% |
| Information | 11 | 1.0% |
| Arts, entertainment, and recreation | 9 | 0.8% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 95376 vs 95304 →
ZIP 95376 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 95376
Tracy (95376)
49,859 residents
- 95377
Tracy (95377)
30,902 residents
- 95330 17,853
Lathrop (95330)
17,853 residents
- 95304 15,706
Tracy (95304)
15,706 residents
- 95231 4,374
French Camp (95231)
4,374 residents
What this shows Among its immediate neighbors, ZIP 95376 ranks the most populous — useful context the national average alone can't give.
ZIP 95376 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 95377
Tracy (95377)
$158,158 median income
- 95330
Lathrop (95330)
$125,421 median income
- 95304
Tracy (95304)
$115,007 median income
- 95376
Tracy (95376)
$102,555 median income
- 95231
French Camp (95231)
$90,417 median income
What this shows By household income, ZIP 95376 ranks #4 of 5 neighboring ZIPs — local affluence varies block to block, not just metro to metro.
More ZIP Codes in San Joaquin County
Related Areas
Frequently Asked Questions
What county is ZIP code 95376 in? ▼
What is the population of ZIP code 95376? ▼
What is the median household income in ZIP 95376? ▼
What is the average home value in ZIP 95376? ▼
What is the demographic makeup of ZIP 95376? ▼
How many businesses are in ZIP code 95376? ▼
What are the main industries in ZIP code 95376? ▼
How have home values changed in ZIP code 95376? ▼
What is the education level in ZIP code 95376? ▼
What is the average commute time in ZIP 95376? ▼
What percentage of residents own vs. rent in ZIP 95376? ▼
What is the poverty rate in ZIP code 95376? ▼
ZIP Code Research Guides
Official Data Resources for Tracy, CA
Verify and explore additional data for this area using these official government sources.
Read our methodology to see how this data is sourced, computed, and verified.