ZIP code 95203

ZIP 95203 is a mid-size town in San Joaquin County, California, with 16,628 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #878 of 1,803 ranked by population — larger than 51% of them. The median age here is 32.6 years against 39.1 nationally, a distinctly younger profile, typical of places with students, military posts or a fast-growing family population. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 95203 earn a median of $64,710 a year, 17.6% below the national figure of $78,538. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 23.2% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in ZIP 95203 is valued at $349,800, 15.3% above the national figure, while median gross rent runs $1,248 a month, 11.2% below the national figure, or roughly $14,976 across a full year. A household on the local median income would put about 23.1% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 5.4×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 40.8% of occupied homes are owner-occupied versus 65% nationally, a renter-majority market, so rent figures matter more here than the home-value line. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 95203 is tabulated inside San Joaquin County, California, one of 30 ZIP areas the Census publishes for that county and 1,803 across California. This is a mid-sized suburban ZIP inside a county that is split across many delivery areas. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 95203 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 95203 reports a median household income of $64,710, 29% below the $91,588 county median, and 28% below the $89,916 typical CA ZIP. Owner-occupied homes are valued at a median of $349,800, 29% below the county figure and 44% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,248 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

California charges 7.25% statewide, and local governments overlapping 95203 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 95203 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.