The typical owner-occupied home in Stockton is worth about $100,000, 52% below the Iowa median of $208,000 and 70% below the national median of $332,700. Owners pay a median $787 a year in property taxes, about 0.79% of their home's value, lower than the Iowa rate of 1.39%. The median household earns $49,500 a year, so the median home costs 2.0 times the median income (2.8 times for Iowa). 67% of occupied homes here are lived in by their owners, and 65% of those owners still have a mortgage.
Stockton at a glance
| Stockton | Iowa | U.S. | |
|---|---|---|---|
| Median home value | $100,000 | $208,000 | $332,700 |
| Median property tax paid per year | $787 | $2,897 | $3,119 |
| Property tax as a share of value | 0.79% | 1.39% | 0.94% |
| Median household income | $49,500 | $75,059 | $80,734 |
| Homes lived in by their owners | 67% | 72% | 65% |
| Owner homes with a mortgage | 65% | 59% | 61% |
| Median monthly costs, owners with a mortgage | $876 | $1,533 | $1,963 |
| Those costs as a share of the owners' income | 20.8% | 18.7% | 21.0% |
| Median rent | $825 | $972 | $1,413 |
| Rent as a share of renters' income | 20.0% | 27.4% | 30.6% |
| Median year homes were built | 1972 | 1972 | 1980 |
| Vacant homes | 2.5% | 8.5% | 10.1% |
| Population | 170 | 3,210,507 | 334,922,499 |
What a typical home costs per month in Stockton
At this week's average 30-year rate of 7.11%, buying the median Stockton home of $100,000 with 20% down costs about $646 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $812, 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 $27,672 for the 20%-down payment. That payment is 16% of the median Stockton household income of $49,500; at that income and 20% down, the 28% guideline points to a home of about $179,000.
The median rent here is $825 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $20,000 |
|---|---|
| Loan amount | $80,000 |
| Principal and interest | $538 |
| Property taxes (0.79% a year) | $66 |
| Homeowners insurance (our estimate, 0.5% a year) | $42 |
| PMI | $0 |
| Total per month | $646 |
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| Down payment | $3,500 |
|---|---|
| Loan amount | $98,189 |
| Principal and interest | $661 |
| Property taxes (0.79% a year) | $66 |
| Homeowners insurance (our estimate, 0.5% a year) | $42 |
| FHA mortgage insurance | $44 |
| Total per month | $812 |
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Questions about home buying in Stockton
What is the median home value in Stockton?
About $100,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Stockton?
Homeowners pay a median $787 a year, which is about 0.79% 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 Stockton?
For the median home with 20% down at 7.11%, the payment is about $646 a month. Keeping that under 28% of gross income takes about $27,672 a year.
More about Stockton
- Mortgage Refinance in Stockton
- Debt Relief in Stockton
- Home Equity Loans in Stockton
- 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