| City: | Tracy, California |
| City Alias: | Banta |
| Counties: | San Joaquin County[Primary] Stanislaus County |
| Timezone: | Pacific (GMT -08:00) |
| Local Time: | 9:56:37 AM |
| Population: | 16,210 [See All] |
| Area Codes: | 209 / 350 |
| Classification: | Standard [Normal Street Delivery] |
| Coordinates: | 37.6757, -121.3989 |
| Land Area: | 153.471 sq mi |
| Quick Link: |
ZIP Code 95304 has 16,210 residents and 4,778 households (average 2.99 persons per household). The median age is 38.0 years, about the same as the state (37.5) and about the same as the nation (38.8). The gender split is 56.7% male and 43.3% female, which is much higher than the national male share (49.1%), making this a male-majority area. Largest groups are White (45.2%, much lower than the national average of 61.6%) and Hispanic or Latino (33.2%); Hispanic or Latino residents make up 33.2%, which is much higher than the national average (18.7%).
Explore More:Population Over TimeBy Age & GenderBy RaceBy GenderNativity & Citizenship
| 2020 Population: | 16,210Source: Census DHC |
| 2024 ACS Population Estimate: | 15,841Source: Census ACS |
| 2026 ZC Population Estimate: | 14,911Source: ZIP-Codes.com |
| Population Density: | 105.6 people per sq mile |
| Average Income: | $115,007Source: Census ACS |
| Households: | 4,778Source: Census DHC |
| Average House Value: | $893,600Source: Census ACS |
| Persons Per Household: | 2.99Source: Census DHC |
| Average Family Size: | 2.99Source: Census ACS |
| Group | 2010 | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Census ACS Population Estimate | -- | 17,191 | 17,586 | 17,314 | 17,971 | 17,442 | 15,718 | 14,592 | 14,539 | 14,282 | 15,533 | 15,585 | 15,235 | 14,818 | 15,841 |
| Decennial Census | 15,706 | -- | -- | -- | -- | -- | -- | -- | -- | -- | 16,210 | -- | -- | -- | -- |
Median Age: 38
Male Median Age: 36.8
Female Median Age: 40
| Group | < 5 | 5-9 | 10-14 | 15-19 | 20-24 | 25-29 | 30-34 | 35-39 | 40-44 | 45-49 | 50-54 | 55-59 | 60-64 | 65-69 | 70-74 | 75-79 | 80-84 | 85+ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Male | 410 | 448 | 545 | 534 | 749 | 859 | 789 | 720 | 615 | 658 | 701 | 621 | 511 | 402 | 270 | 196 | 85 | 71 |
| Female | 381 | 370 | 483 | 528 | 456 | 442 | 459 | 397 | 432 | 461 | 528 | 526 | 442 | 374 | 291 | 205 | 117 | 134 |
| Total | 791 | 818 | 1,028 | 1,062 | 1,205 | 1,301 | 1,248 | 1,117 | 1,047 | 1,119 | 1,229 | 1,147 | 953 | 776 | 561 | 401 | 202 | 205 |
| White: | 7,332 | 38.21% |
| Black: | 1,172 | 6.11% |
| Hispanic:* | 5,374 | 28.00% |
| Asian: | 2,146 | 11.18% |
| American Indian: | 151 | 0.79% |
| Hawaiian: | 87 | 0.45% |
| Other: | 2,928 | 15.26% |
| Total: | 19,190 | 100% |
| Gender | Count | % | Median Age |
|---|---|---|---|
| Males: | 9,184 | 56.66% | 36.8 years |
| Females: | 7,026 | 43.34% | 40.0 years |
| Total: | 16,210 | 100% | 38.0 years |
| Native, born in the United States: | 12,180 | 76.89% |
| Native, born in PR, Island Areas, or abroad: | 305 | 1.93% |
| Foreign born, naturalized U.S. citizen: | 1,996 | 12.60% |
| Foreign born, not a U.S. citizen: | 1,360 | 21.19% |
| Total Population: | 15,841 | 100% |
| Total Native Population: | 12,485 | 78.81% |
| Total Foreign-born Population: | 3,356 | 21.19% |
In 2024, the Median household income is $115,007, which is markedly greater than the national median ($80,734), is up $41,323 (56.1%) since 2011 and above its 2019 pre-pandemic level by $16,919. Family households earn a median of $137,143 versus $77,993 for nonfamily households (a difference of $59,150). By gender, male median income is $95,000 and female is $59,169, which is much higher than the national female median ($55,274), with a current gap of $35,831 that has widened from 2011 to 2024. The labor-force participation rate is 62.4%, which is trails slightly the national rate (63.5%). The unemployment rate is 6.5%, which is above the national rate (5.2%). The largest occupation group is Management (41.9%).
Explore More:Income Over TimeHousehold IncomeEmployment StatusBy Occupation
| Income Type | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Household Income | $73,684 | $78,904 | $79,029 | $78,640 | $78,772 | $85,890 | $85,035 | $88,152 | $98,088 | $92,721 | $101,069 | $103,138 | $114,359 | $115,007 |
| Median Family Income | $84,382 | $91,573 | $92,940 | $92,813 | $93,771 | $104,342 | $98,333 | $99,576 | $102,072 | $108,045 | $106,010 | $110,833 | $139,893 | $137,143 |
| Median NonFamily Income | $32,500 | $24,865 | $24,576 | $28,514 | $28,148 | $26,731 | $42,525 | $39,531 | $46,173 | $54,605 | $79,408 | $72,629 | $76,217 | $77,993 |
| Median Male Income | $68,535 | $68,859 | $65,664 | $50,806 | $56,151 | $60,291 | $61,610 | $62,057 | $65,666 | $75,273 | $78,036 | $78,673 | $105,020 | $95,000 |
| Median Female Income | $38,005 | $35,515 | $38,333 | $40,568 | $41,523 | $47,587 | $49,519 | $50,263 | $50,938 | $45,811 | $50,122 | $53,232 | $57,478 | $59,169 |
| Employed: | 7,496 | 58.34% |
| Unemployed: | 525 | 4.09% |
| Not In Labor Force: | 4,827 | 37.57% |
| Total: | 12,848 | 100% |
| Management, business, science, and arts: | 3,140 | 41.89% |
| Service: | 1,142 | 15.23% |
| Sales and Office: | 1,356 | 18.09% |
| Natural resources, construction, and maintenance: | 826 | 11.02% |
| Production, transportation, and material moving: | 1,032 | 13.77% |
| Total Civilian Employed Population: | 7,496 | 100% |
In 2024, the median home value is $893,600, which is markedly greater than the national median ($332,700), is up $473,300 (112.61%) since 2011 and above its 2019 pre-pandemic level by $315,500. The median gross rent is $2,426, which is markedly greater than the national median ($1,413), is up $1,192 (96.60%) since 2011 and above its 2019 pre-pandemic level by $797. Of occupied housing, owners make up 60.07% (61.08% with a mortgage, 38.92% free-and-clear) and renters 39.93% - making this ZIP Code higher than national rental averages. The vacancy rate is 8.52%, which is considerably lower than the national rate (10.12%).
Explore More:Compare Home ValueHome Value Over TimeRent & Over TimeHousing Occupancy
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Home Value | $420,300 | $386,400 | $381,000 | $367,900 | $395,500 | $438,400 | $499,700 | $526,000 | $578,100 | $628,300 | $692,400 | $812,900 | $869,300 | $893,600 |
| Less than $500: | 0 | 0.00% |
| $500 to $999: | 142 | 7.19% |
| $1,000 to $1,499: | 123 | 6.22% |
| $1,500 to $1,999: | 333 | 16.85% |
| $2,000 to $2,499: | 401 | 20.29% |
| $2,500 to $2,999: | 571 | 28.90% |
| $3,000 or more: | 310 | 15.69% |
| No Rent: | 96 | 4.86% |
| Total: | 1,976 | 100% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Rent | $1,234 | $1,398 | $1,305 | $1,333 | $1,342 | $1,458 | $1,300 | $1,480 | $1,629 | $1,811 | $2,149 | $2,226 | $2,299 | $2,426 |
| Owner Occupied (with mortgage): | 1,816 | 36.69% |
| Owner Occupied (free and clear, no mortgage): | 1,157 | 23.38% |
| Renter Occupied: | 1,976 | 39.93% |
| Total Occupied Housing Units: | 4,949 | 100% |
| Occupied Housing Units: | 4,949 | 91.48% |
| Vacant Housing Units (not graphed): | 461 | 8.52% |
| Total Housing Units: | 5,410 | 100% |
| Single-Family Units: | 4,000 | 73.94% |
| Multi-Family Units: | 1,106 | 20.44% |
| Other Units: | 304 | 5.62% |
| Total Housing Units: | 5,410 | 100% |
In 2024, 27.40% of adults (25+) have a bachelor's degree or higher, which is far lower than the national rate (35.70%). High school or higher is 86.50%, which is comparable to the national rate (89.60%). The uninsured rate is 8.00%, which is comparable to the national rate (8.40%). Public coverage is 26.20%, which is falls below the national rate (36.70%). The share of people in poverty is 5.60%, which is comparable to the national rate (8.80%), down 1.40 percentage points since 2011 and below its 2019 pre-pandemic level by 3.00 percentage points. This suggests a positive shift in the local economic and social landscape - higher incomes, steadier consumer demand, and a strengthening tax base. Among residents ages 3+, the largest enrollment group is elementary (39.05%). College enrollment is 25.28%, which is comparable to the national rate (26.70%), meaning the community mirrors broader higher-education participation.
Explore More:Educational AttainmentHealth InsurancePoverty Over TimeSchool Enrollment
| Less than 9th grade: | 786 | 7.52% |
| 9th to 12th grade, no diploma: | 623 | 5.96% |
| High school graduate (includes equivalency): | 3,004 | 28.75% |
| Some college, no degree: | 2,384 | 22.81% |
| Associate's degree: | 792 | 7.58% |
| Bachelor's degree: | 1,962 | 18.78% |
| Graduate or professional degree: | 899 | 8.60% |
| Total: | 10,450 | 100% |
| High school or higher: | 9,041 | 86.52% |
| Bachelor's degree or higher: | 2,861 | 27.38% |
| Private Insurance: | 11,272 | 68.76% |
| Public Insurance: | 3,927 | 23.96% |
| No Insurance: | 1,194 | 7.28% |
| Total: | 16,393 | 100% |
| Has Health Insurance: | 15,199 | 92.72% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| % of People in Poverty | 4.5% | 4.7% | 4.6% | 4.3% | 5.3% | 5.5% | 5.3% | 5.1% | 6.1% | 3.7% | 4.4% | 3.4% | 3.1% | 5.6% |
Note: Counts of Families & People in poverty are not published at the ZIP Code level due to small sample sizes. Percentages shown are survey estimates from the American Community Survey (ACS). They may differ from official poverty statistics. The U.S. Census Bureau defines poverty status by comparing a family's or individual's total income with federal poverty thresholds that vary by family size and composition.
| Nursery School, Preschool: | 84 | 1.91% |
| Kindergarten: | 177 | 4.02% |
| Elementary school (grades 1-8): | 1,718 | 39.05% |
| High school (grades 9-12): | 1,308 | 29.73% |
| College or graduate school: | 1,112 | 25.28% |
| Total: | 4,399 | 100% |
| Early Childhood: | 261 | 5.93% |
| K-12 (Primary & Secondary School): | 3,203 | 72.81% |
ZIP Code 95304 supports both business and residential activity. According to the Business Census (2024), there are 589 business establishments, employing about 21,820 people with an annual payroll of $1,121,450,000. USPS data shows 4,987 residential mailboxes and 654 business mailboxes, reflecting local delivery coverage.
| # Residential Mailboxes: | 4,987Source: USPS |
| # Business Mailboxes: | 654Source: USPS |
| Total Delivery Receptacles: | 5,356Source: USPS |
| Single Family Delivery Units: | 2,295Source: USPS |
| Multi Family Delivery Units: | 793Source: USPS |
| # of Businesses: | 589Source: CBP |
| 1st Quarter Payroll: | $256,151,000Source: CBP |
| Annual Payroll: | $1,121,450,000Source: CBP |
| # of Employees: | 21,820Source: CBP |
ZIP Code 95304 is located in San Joaquin County, California, within the Stockton-Lodi, CA Metropolitan Statistical Area (CBSA 44700) and California's 9th and 13rd Congressional Districts. This Metro area has a population of 685,306 people, about 2.37% of whom live in ZIP Code 95304. It covers 153.471 sq mi of land and a water area of 2.808 sq mi.
| CBSA Name: | Stockton-Lodi, CASource: Census |
| CBSA Number: | 44700Source: Census |
| CBSA Type: | MetroSource: Census |
| CBSA Division: | --Source: Census |
| CBSA Population: | 685,306Source: Census |
| MSA: | Stockton-Lodi, CA MSASource: Census |
| Land Area: | 153.471 sq miSource: Census |
| Water Area: | 2.808 sq miSource: Census |
| Congressional District: | 09,13Source: USPS |
| Congressional Land Area: | 1245.28, 96.79 sq miSource: Census |
| PMSA: | --Source: Census |
| Intro Date: | < 2004-10Source: ZIP-Codes.com |
| Place FIPS Code: | 0680238Source: Census |
| Place Name: | Tracy city; CaliforniaSource: Census |
ZIP Code 95304 is part of 4 school districts, including: Jefferson Elementary School District (Grades KG thru 08), New Jerusalem Elementary School District (Grades KG thru 08), Banta Unified School District (Grades KG thru 12) and Lammersville Joint Unified School District (Grades Kindergarten thru 12th). There are 11 public school(s) in this ZIP Code, and we have located 3 private school(s). It also has 6 colleges, universities or post secondary education institutions nearby which would be a short commute to.
Our sources include trusted federal and licensed data from the United States Postal Service, U.S. Census Bureau, U.S. Geological Survey, Centers for Medicare & Medicaid Services, and the National Center for Education Statistics, along with proprietary datasets created by ZIP-Codes.com. Data last updated on February 1, 2026.