The typical owner-occupied home in San Joaquin is worth about $266,300, 64% below the California median of $734,700 and 20% below the national median of $332,700. Owners pay a median $1,725 a year in property taxes, about 0.65% of their home's value, lower than the California rate of 0.70%. The median household earns $43,011 a year, so the median home costs 6.2 times the median income (7.4 times for California). 33% of occupied homes here are lived in by their owners, and 77% of those owners still have a mortgage.
San Joaquin at a glance
| San Joaquin | California | U.S. | |
|---|---|---|---|
| Median home value | $266,300 | $734,700 | $332,700 |
| Median property tax paid per year | $1,725 | $5,124 | $3,119 |
| Property tax as a share of value | 0.65% | 0.70% | 0.94% |
| Median household income | $43,011 | $99,122 | $80,734 |
| Homes lived in by their owners | 33% | 56% | 65% |
| Owner homes with a mortgage | 77% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $1,302 | $2,946 | $1,963 |
| Those costs as a share of the owners' income | 34.7% | 24.8% | 21.0% |
| Median rent | $967 | $2,036 | $1,413 |
| Rent as a share of renters' income | 23.7% | 32.8% | 30.6% |
| Median year homes were built | 1984 | 1976 | 1980 |
| Vacant homes | 2.4% | 7.5% | 10.1% |
| Population | 3,708 | 39,287,377 | 334,922,499 |
What a typical home costs per month in San Joaquin
At this week's average 30-year rate of 7.11%, buying the median San Joaquin home of $266,300 with 20% down costs about $1,688 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,132, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $72,357 for the 20%-down payment. That payment is 47% of the median San Joaquin household income of $43,011; at that income and 20% down, the 28% guideline points to a home of about $158,000.
The median rent here is $967 a month, so owning the median home costs about $721 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $53,260 |
|---|---|
| Loan amount | $213,040 |
| Principal and interest | $1,433 |
| Property taxes (0.65% a year) | $144 |
| Homeowners insurance (our estimate, 0.5% a year) | $111 |
| PMI | $0 |
| Total per month | $1,688 |
Change the numbers in the calculator
| Down payment | $9,320 |
|---|---|
| Loan amount | $261,477 |
| Principal and interest | $1,759 |
| Property taxes (0.65% a year) | $144 |
| Homeowners insurance (our estimate, 0.5% a year) | $111 |
| FHA mortgage insurance | $118 |
| Total per month | $2,132 |
Change the numbers in the calculator
Questions about home buying in San Joaquin
What is the median home value in San Joaquin?
About $266,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in San Joaquin?
Homeowners pay a median $1,725 a year, which is about 0.65% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in San Joaquin?
For the median home with 20% down at 7.11%, the payment is about $1,688 a month. Keeping that under 28% of gross income takes about $72,357 a year.
More about San Joaquin
- Mortgage Refinance in San Joaquin
- Debt Relief in San Joaquin
- Home Equity Loans in San Joaquin
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data