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Featured local agent — San Joaquin, CA
Sarah Mitchell
Compass Real Estate · San Joaquin, CA
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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San Joaquin, CA Housing Market
The typical home in San Joaquin, CA is worth $300,051, rose 2.9% over the past year (Zillow Home Value Index, July 2026). The last median sale price Redfin published was $279,500, -11.3% year over year (through May 2026). With 3.0 months of supply and homes going under contract in about 202 days, San Joaquin is a balanced market. At today's 6.66% 30-year fixed rate, 20% down on a $300,051 home is about $1,543/mo in principal and interest.
Key numbers for San Joaquin, CA
Typical home value
$300,051
+2.9% in 12 months
Zillow, July 2026
Median sale price
$279,500
-11.3% year over year
Redfin, through May 2026
Days on market
202
Slow-moving
Redfin, through May 2026
Active listings
3
3.0 months of supply
Redfin, through May 2026
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Median household income
$51,591
Home costs 5.8x income
U.S. Census ACS, 2023
Sale-to-list ratio
100.0%
Selling above asking
Redfin, through May 2026
Zillow figures are as of July 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is San Joaquin a buyer's or seller's market?
San Joaquin, CA is a balanced market, based on 3.0 months of supply and homes selling in about 202 days. Under 4 months of supply tilts the market toward sellers: homes clear faster than they are replaced, so concessions are scarce.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the San Joaquin housing market data show?
Every row below is Redfin's final published month for San Joaquin, CA. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $279,500 |
| Year-over-year price change | -11.3% |
| Median price per sq ft | $209/sq ft |
| Median days on market | 202 days |
| Active inventory | 3 listings |
| Months of supply | 3.0 months |
| Sale-to-list price ratio | 100.0% |
| Homes sold (that month) | 1 |
| Listings with a price cut | 33.3% |
| Market condition | Balanced market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for San Joaquin is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in San Joaquin is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have San Joaquin home prices moved?
Across the 28 months we hold for San Joaquin, CA, the median sale price rose 11.6%, from $250,500 in April 2021 to $279,500. The live Zillow value series has rose 2.9% in the last 12 months, which is the more current read now that Redfin's series has stopped. 33.3% of San Joaquin listings cut their asking price in the final Redfin month — a high share, and the clearest sign that list prices were running ahead of what buyers would pay. For prices to fall meaningfully from here, supply would have to keep building past 3.0 months while the sale-to-list ratio slips below its current 100.0%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in San Joaquin?
Priced off the typical home value of $300,051 at the current 6.66% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $60,010 | $240,041 | $1,543/mo |
| 5% | $15,003 | $285,048 | $1,832/mo |
Zillow, July 2026 for the price · Freddie Mac via FRED, August 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $1,543, that implies roughly $66,110 a year before you add taxes and insurance. The median household in San Joaquin earns $51,591, about $14,519 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the typical home value to fit the 28% rule. That puts the price-to-income ratio at 5.8x — well above the 3x that was historically considered affordable, which is why down payment size drives who can buy here.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in San Joaquin in the next 12 months?
Tell us your timeline. We send the San Joaquin market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in San Joaquin?
Zillow does not publish a rent index (ZORI) for San Joaquin, CA, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in San Joaquin?
Active listings in San Joaquin, CA went from 4 in November 2023 to 3 in May 2026, a -25.0% change. Falling inventory tightens competition. When supply drops while demand holds, sale-to-list ratios rise before the median sale price does.
| Month | Active listings | New listings |
|---|---|---|
| March 2024 | 4 | 1 |
| April 2024 | 3 | 2 |
| May 2024 | 2 | not published |
| June 2024 | 2 | 2 |
| July 2024 | 2 | 1 |
| September 2024 | 1 | 1 |
| January 2025 | 2 | 1 |
| May 2025 | 1 | not published |
| August 2025 | 2 | not published |
| December 2025 | 2 | not published |
| February 2026 | 4 | not published |
| May 2026 | 3 | not published |
Redfin, through May 2026
How does San Joaquin compare to California and the U.S.?
San Joaquin homes sell for $279,500 — 69% below the California median of $887,400. Against the national median of $410,700, San Joaquin runs 32% lower. Year-over-year, San Joaquin moved -11.3% against California's +3.4% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| San Joaquin, CA | $279,500 | -11.3% | 202 days |
| California statewide | $887,400 | +3.4% | 33 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in San Joaquin
What buyers should watch
- Months of supply, currently 3.0. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 33.3%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $289 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 6.66%, every full point of rate change moves the payment on a $300,051 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median San Joaquin listing goes under contract in 202 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 100.0% of asking. Price at the number you want and let competition do the rest.
- Your equity moved +2.9% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside San Joaquin varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in San Joaquin
There are currently 3 homes listed for sale in San Joaquin, California.
Active listings
3
Homes on market
Avg. days on market
202
Days until sale
How much do homes cost in San Joaquin by property type?
How the San Joaquin, CA market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $279,500 | $209/sq ft | 1 | 202 days |
Who lives in San Joaquin?
American Community Survey estimates for San Joaquin. U.S. Census ACS, 2023
Population
3,734
Households
868
Median income
$51,591/yr
Median age
24.9 years
Owner-occupied
33.3%
Median home value
$249,700
Median gross rent
$1,070/mo
Mean commute
24.9 min
33.3% of occupied homes in San Joaquin are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $249,700 against Zillow's $300,051 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which cities are near San Joaquin, CA?
Ordered by distance from San Joaquin, not by size. Compare San Joaquin side by side with any of them.
San Joaquin housing market FAQ
Is San Joaquin a buyer's or seller's market?
San Joaquin, CA is currently a balanced market. That read comes from 3.0 months of supply, homes going under contract in about 202 days, and sellers getting 100.0% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in San Joaquin?
The typical home in San Joaquin, CA is worth $300,051 (Zillow Home Value Index, July 2026). The median sale price in the last month Redfin published was $279,500, about $209 per square foot.
Is San Joaquin cheaper than the rest of California?
San Joaquin's median sale price of $279,500 is 69% lower than the California statewide median of $887,400, and 32% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in San Joaquin?
Homes in San Joaquin, CA spent a median of 202 days on market before going under contract, versus 33 days statewide. Over two months means buyers have time to inspect, compare and negotiate. (Redfin, through May 2026.)
What income do you need to buy a home in San Joaquin?
At the current 30-year fixed rate of 6.66%, 20% down on a $300,051 home is about $1,543 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $66,110 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $51,591.
Are home prices rising in San Joaquin?
The typical home value in San Joaquin, CA rose 2.9% over the last 12 months, from $291,657 to $300,051 (Zillow, July 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in San Joaquin?
San Joaquin ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in San Joaquin?
That depends on your timeline, not on a headline. What the data says today: San Joaquin, CA is a balanced market with 3.0 months of supply, the 30-year fixed rate is 6.66%. Properties Incorporated publishes the data; it does not give financial advice.
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