The typical owner-occupied home in Stockton is worth about $441,700, 3% below the New Jersey median of $454,400 and 33% above the national median of $332,700. Owners pay a median $8,623 a year in property taxes, about 1.95% of their home's value, lower than the New Jersey rate of 2.11%. The median household earns $104,000 a year, so the median home costs 4.2 times the median income (4.4 times for New Jersey). 73% of occupied homes here are lived in by their owners, and 65% of those owners still have a mortgage.
Stockton at a glance
| Stockton | New Jersey | U.S. | |
|---|---|---|---|
| Median home value | $441,700 | $454,400 | $332,700 |
| Median property tax paid per year | $8,623 | $9,590 | $3,119 |
| Property tax as a share of value | 1.95% | 2.11% | 0.94% |
| Median household income | $104,000 | $103,556 | $80,734 |
| Homes lived in by their owners | 73% | 64% | 65% |
| Owner homes with a mortgage | 65% | 64% | 61% |
| Median monthly costs, owners with a mortgage | $2,558 | $2,829 | $1,963 |
| Those costs as a share of the owners' income | 24.0% | 22.9% | 21.0% |
| Median rent | $1,592 | $1,720 | $1,413 |
| Rent as a share of renters' income | 18.8% | 30.9% | 30.6% |
| Median year homes were built | 1954 | 1970 | 1980 |
| Vacant homes | 3.1% | 7.5% | 10.1% |
| Population | 446 | 9,343,809 | 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 $441,700 with 20% down costs about $3,279 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $4,015, 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 $140,523 for the 20%-down payment. That payment is 38% of the median Stockton household income of $104,000; at that income and 20% down, the 28% guideline points to a home of about $327,000.
The median rent here is $1,592 a month, so owning the median home costs about $1,687 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $88,340 |
|---|---|
| Loan amount | $353,360 |
| Principal and interest | $2,377 |
| Property taxes (1.95% a year) | $718 |
| Homeowners insurance (our estimate, 0.5% a year) | $184 |
| PMI | $0 |
| Total per month | $3,279 |
Change the numbers in the calculator
| Down payment | $15,460 |
|---|---|
| Loan amount | $433,700 |
| Principal and interest | $2,918 |
| Property taxes (1.95% a year) | $718 |
| Homeowners insurance (our estimate, 0.5% a year) | $184 |
| FHA mortgage insurance | $195 |
| Total per month | $4,015 |
Change the numbers in the calculator
Questions about home buying in Stockton
What is the median home value in Stockton?
About $441,700 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 $8,623 a year, which is about 1.95% 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 $3,279 a month. Keeping that under 28% of gross income takes about $140,523 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