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.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 95376?

34.7

Median Age

49.3%

Male

50.7%

Female

25.1%

Foreign-Born

White 32.3%
African American 6.1%
Asian 13.8%
American Indian or Alaska Native 1.5%
Native Hawaiian or Pacific Islander 1.4%
Two or More Ethnicities 23.2%
Hispanic or Latino 47.8%

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

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). This entry sits in this band. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

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?

High School Graduate or Higher 49.8%
Bachelor's Degree or Higher 20.7%

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

Owner 61.6%
Renter 38.4%

$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)

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.

residents

What this shows Among its immediate neighbors, ZIP 95376 ranks the most populous — useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 95376 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

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.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
95304 Tracy, CA 15,706 4.5 mi
95377 Tracy, CA 30,902 6.5 mi
95330 Lathrop, CA 17,853 8.5 mi
95231 French Camp, CA 4,374 12.3 mi

More ZIP Codes in San Joaquin County

Frequently Asked Questions

What county is ZIP code 95376 in?
ZIP code 95376 (Tracy) is located in San Joaquin County, California. San Joaquin County contains multiple ZIP codes, see the full list at /counties/san-joaquin-ca.
What is the population of ZIP code 95376?
ZIP code 95376 in Tracy, CA has a population of 49,859 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 95376?
The median household income in ZIP 95376 is $102,555, which is 34% above the national average of $76,288.
What is the average home value in ZIP 95376?
The median home value in ZIP 95376 is $618,100, which is 122% above the national average of $278,155.
What is the demographic makeup of ZIP 95376?
The largest racial group in ZIP 95376 is White at 32.3%. Hispanic or Latino residents make up 47.8% of the population.
How many businesses are in ZIP code 95376?
ZIP code 95376 has 1,109 business establishments employing approximately 16,349 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 95376?
The top industries by establishment count in ZIP 95376 are: Health care and social assistance (158), Accommodation and food services (140), Retail trade (125). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 95376?
According to the FHFA House Price Index, home values in ZIP 95376 increased by 2.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 158%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 95376?
In ZIP code 95376, 49.8% of residents aged 25+ have a high school diploma or higher, and 20.7% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 95376?
The mean commute time for workers in ZIP code 95376 is 40.2 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 95376?
In ZIP code 95376, approximately 61.6% of occupied housing units are owner-occupied and 38.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 95376?
The poverty rate in ZIP code 95376 is 10.5% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Official Data Resources for Tracy, CA

Verify and explore additional data for this area using these official government sources.