95304 ZIP Code — Tracy, CA
San Joaquin County, California
ZIP code 95304 is located in Tracy, California, within San Joaquin County. It covers approximately 153.47 square miles and serves a population of 15,235 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 209.
About ZIP code 95304
The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $812,900. Owner-occupancy sits near the national average at 62%.
The gap between median ($103,138) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 6% is below the national average.
The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. An above-average commute of 36 minutes suggests many residents work outside the immediate area.
Educational attainment is near the national average, with 23% of residents holding a bachelor's degree or higher.
15,235
population
153.47
sq mi land
Standard
ZIP type
Pacific (PT)
timezone
95304 ZIP code map
Cities in ZIP code 95304
Below are the cities the US Postal Service accepts for ZIP code 95304. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Tracy | Acceptable |
| Tracy | Preferred |
Nearby ZIP codes
95376 Tracy (3.7 mi)
95377 Tracy (5.2 mi)
95337 Manteca (9.6 mi)
95330 Lathrop (10.3 mi)
95391 Tracy (12.4 mi)
95363 Patterson (14.1 mi)
95231 French Camp (15.4 mi)
95336 Manteca (15.8 mi)
95366 Ripon (16.2 mi)
95358 Modesto (16.5 mi)
94514 Byron (16.6 mi)
95368 Salida (17.1 mi)
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 15,235 |
| Population density | 99 / sq mi |
| State FIPS | 06 |
| County FIPS | 077 |
| Geography | |
|---|---|
| Land area | 153.47 sq mi |
| Water area | 2.81 sq mi |
| Latitude | 37.6757 |
| Longitude | -121.3989 |
| Timezone | Pacific (PT) |
| Area code | 209 |
Total population by age
Gender
Race & ethnicity
Economics
updated 05/2026
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 24.7% | 36.1% | 32.6% |
| $50k – $100k | 26.2% | 30.8% | 27.7% |
| $100k – $200k | 35.7% | 25.4% | 26.4% |
| Over $200k | 13.3% | 7.7% | 13.3% |
Demographics & statistics
15,235
Population
99
People per sq mi
37.1
Median age
$103,138
Median household income
$43,353
Per capita income
$812,900
Median home value
$2,226
Median monthly rent
62.1%
Home ownership
6.3%
Poverty rate
8.5%
Unemployment
3,225
Housing units
23.2%
Bachelor's or higher
Age distribution
Male
Female
243
Under 5
201
571
5–9
471
595
10–14
492
637
15–19
527
680
20–24
562
955
25–34
790
1,647
35–44
1,362
1,093
45–54
903
532
55–59
439
430
60–64
356
525
65–74
434
280
75–84
232
152
85+
126
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 3,362 | 22.1% |
| 18 and over | 11,873 | 77.9% |
| 65 and over | 1,749 | 11.5% |
| Median age | 37.1 years | |
Race & ethnicity
White
38.8%
Hispanic or Latino
19.8%
Two or more races
16.9%
Other race
11.4%
Asian
7.7%
Black or African American
4.7%
American Indian / Alaska Native
0.7%
| Group | Count | % |
|---|---|---|
| White | 7,366 | 38.8% |
| Hispanic or Latino | 3,762 | 19.8% |
| Two or more races | 3,216 | 16.9% |
| Other race | 2,158 | 11.4% |
| Asian | 1,467 | 7.7% |
| Black or African American | 895 | 4.7% |
| American Indian / Alaska Native | 133 | 0.7% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 24.7% | 36.1% | 32.6% |
| $50k – $100k | 26.2% | 30.8% | 27.7% |
| $100k – $200k | 35.7% | 25.4% | 26.4% |
| Over $200k | 13.3% | 7.7% | 13.3% |
Under $10k
1.0%
$10k–$15k
2.1%
$15k–$25k
4.3%
$25k–$35k
7.8%
$35k–$50k
7.3%
$50k–$75k
7.3%
$75k–$100k
17.9%
$100k–$150k
23.4%
$150k–$200k
9.5%
$200k+
19.3%
| Range | % of households |
|---|---|
| Under $10k | 1.0% |
| $10k–$15k | 2.1% |
| $15k–$25k | 4.3% |
| $25k–$35k | 7.8% |
| $35k–$50k | 7.3% |
| $50k–$75k | 7.3% |
| $75k–$100k | 17.9% |
| $100k–$150k | 23.4% |
| $150k–$200k | 9.5% |
| $200k+ | 19.3% |
| Median income | $103,138 |
Housing
Home values
Under $50k
4.6%
$50k–$100k
3.5%
$100k–$150k
2.3%
$150k–$200k
2.6%
$200k–$300k
2.9%
$300k–$500k
2.8%
$500k–$1M
55.8%
$1M+
25.4%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $812,900 |
| Median rent / month | $2,226 |
| Owner occupied | 62.1% |
| Renter occupied | 37.9% |
| Vacant | 7.0% |
| Single-family detached | 73.2% |
| Large apartment buildings | 13.8% |
| Mobile homes | 5.2% |
| Median rooms | 5.6 |
| Avg household size (owned) | 3.15 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.4% |
| 2010–2019 | 22.3% |
| 2000–2009 | 24.4% |
| 1990–1999 | 13.4% |
| 1980–1989 | 7.4% |
| 1970–1979 | 12.0% |
| 1960–1969 | 5.8% |
| 1950–1959 | 6.3% |
| 1940–1949 | 5.7% |
| 1939 or earlier | 2.3% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 3.7% |
| 1 bedroom | 10.9% |
| 2 bedrooms | 26.2% |
| 3 bedrooms | 23.2% |
| 4 bedrooms | 26.0% |
| 5+ bedrooms | 10.0% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 1.4% |
| 1 vehicle | 25.6% |
| 2 vehicles | 28.0% |
| 3 or more | 45.0% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 48.3% |
| Electricity | 31.2% |
| Propane / LP gas | 13.7% |
| Fuel oil | 0.1% |
| Wood | 1.8% |
| Solar | 4.0% |
| No fuel used | 0.9% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 2,638 | 57.0% |
| Cohabiting couple | 312 | 6.7% |
| Male householder, no spouse | 780 | 16.8% |
| Female householder, no spouse | 901 | 19.5% |
| Households with children under 18 | 1,625 | 35.1% |
| Households with seniors (65+) | 1,180 | 25.5% |
| Average household size | 2.94 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 37.0% | 34.6% |
| Married | 48.5% | 49.4% |
| Separated | 5.4% | 0.5% |
| Widowed | 1.7% | 8.2% |
| Divorced | 7.3% | 7.3% |
Education
Less than 9th grade
8.4%
Some HS, no diploma
10.2%
HS graduate
28.5%
Some college, no degree
22.0%
Associate's degree
7.7%
Bachelor's degree
16.5%
Graduate / professional
6.7%
| Metric | % |
|---|---|
| HS diploma or higher | 81.4% |
| Bachelor's or higher | 23.2% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 74 | 1.8% |
| Kindergarten | 102 | 2.5% |
| Elementary school | 1,818 | 44.6% |
| High school | 1,156 | 28.3% |
| College / grad school | 928 | 22.8% |
Employment
Industry of employment
Education & healthcare
15.2%
Professional & management
13.1%
Transportation & utilities
11.4%
Retail trade
9.2%
Manufacturing
8.0%
Construction
7.6%
Arts, food & hospitality
7.5%
Wholesale trade
6.3%
Finance & real estate
5.7%
Other services
4.8%
Agriculture & mining
4.3%
Public administration
4.1%
Information
2.8%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 34.6% |
| Service | 10.9% |
| Sales & office | 25.1% |
| Natural resources & construction | 13.1% |
| Production & transportation | 16.2% |
Employment type
| Type | % |
|---|---|
| Private sector | 77.1% |
| Government | 15.0% |
| Self-employed | 7.9% |
| Unpaid family workers | 0.0% |
Commute
| Method | % |
|---|---|
| Drive alone | 77.2% |
| Carpool | 10.1% |
| Public transit | 2.0% |
| Walk | 0.6% |
| Work from home | 9.2% |
| Other means | 0.9% |
| Avg commute (minutes) | 36.3 |
Poverty
All people
6.3%
Under 18 years
5.6%
18 and over
6.5%
Married-couple families
1.1%
Female-led households
12.7%
Income support
| Source | % of households |
|---|---|
| Social Security | 24.2% |
| Retirement income | 19.4% |
| Supplemental Security | 6.6% |
| Cash public assistance | 2.8% |
| Food stamps / SNAP | 3.1% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 30.1% |
| High blood pressure | 27.5% |
| High cholesterol | 28.8% |
| Diabetes | 8.8% |
| Heart disease | 4.9% |
| Stroke | 2.5% |
| Asthma | 9.4% |
| Arthritis | 18.4% |
| Kidney disease | 2.4% |
| Pulmonary disease | 5.6% |
| Cancer | 4.6% |
| Behavior / access | % |
|---|---|
| Smoking | 15.8% |
| Binge drinking | 23.0% |
| No physical activity | 20.3% |
| Less than 7 hrs sleep | 34.1% |
| Depression | 16.3% |
| Fair or poor health | 15.0% |
| Poor mental health | 15.1% |
| Poor physical health | 10.0% |
| No health insurance | 15.7% |
| Visited doctor (checkup) | 64.7% |
| Visited dentist | 62.6% |
| Cholesterol screening | 88.2% |
| Teeth loss | 11.5% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 536 | 4.5% |
| Disability | % |
|---|---|
| Any disability | 9.1% |
| Under 18 | 2.6% |
| 18–64 years | 6.8% |
| 65 and over | 35.6% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 76.9% |
| Public insurance | 28.3% |
| No insurance | 7.4% |
| Uninsured under 19 | 1.9% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 14,791 | 97.1% |
| Spanish | 2,238 | 15.1% |
| Other Indo-European | 1,458 | 9.9% |
| Asian & Pacific Islander | 582 | 3.9% |
| Other languages | 84 | 0.6% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 12,771 | 83.8% |
| Born in same state | 12,612 | 82.8% |
| Born in different state | 11,284 | 74.1% |
| Foreign born | 159 | 1.0% |
| Naturalized citizen | 2,464 | 16.2% |
| Not a US citizen | 1,434 | 58.2% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| Italian | 1,530 | 10% |
| French | 1,234 | 8.1% |
| Arab | 341 | 2.2% |
| Polish | 158 | 1% |
| Ancestry | Count | % |
|---|---|---|
| English | 104 | 0.7% |
| German | 51 | 0.3% |
| Dutch | 11 | 0.1% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 30.4% |
| Internet access | 98.0% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 95304
What city is ZIP code 95304 in?
ZIP code 95304 is primarily assigned to Tracy, California.
What county is ZIP code 95304 in?
ZIP code 95304 falls within San Joaquin County, California.
What is the typical home value in ZIP code 95304?
The median home value in ZIP code 95304 is $812,900.
What is the median household income in ZIP code 95304?
The median household income in ZIP code 95304 is $103,138, above the national median of ~$75,000.
What is the population of ZIP code 95304?
ZIP code 95304 has an estimated population of 15,235 residents, with a density of 99 people per square mile.
What timezone is ZIP code 95304 in?
ZIP code 95304 observes the PST timezone.