Tracy, CA (95377)

Tracy, CA (ZIP 95377) sits in San Joaquin County within the Stockton-Lodi metro area. The page draws on 2 federal data feeds retrieved Apr 26. Top health signal: Obesity comes in below the national average at 26.3%. NCES lists 5 schools serving the area, 5 non-charter. 10 colleges and universities serve the area, with median in-state tuition of $1,282. IRS data shows average household income (AGI) of $108,804, well above the ~$45K national average per return. Federal QCEW filings show 287,828 covered jobs in this ZIP's primary county — a major regional employment hub. BLS LAUS records a 6.5% county unemployment rate (2024) — about 2.5 points above the US average and a labor-market distress signal. FDIC counts just 1 bank branch in this ZIP (Summary of Deposits, 2024) — residents likely lean on neighboring ZIPs or online banking for most services. The CDC SVI flags racial & ethnic minority (81th percentile) as this ZIP's standout vulnerability dimension, sitting well above its overall 29th-percentile score. FEMA has issued 31 federal disaster declarations affecting this ZIP since 1964 — a high-frequency exposure profile. Per IRS migration filings (2022-2023), the area's primary county netted $174,518,000 in incoming taxable income — a wealth-inflow signal even when headcount churn is modest. Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $145,264, fair market rent of $2,610 for a two-bedroom, and a typical home value of $774,377, down 5.7% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.

Demographics

HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.

Home values

Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.

New housing construction

Aggregated from 2 counties touching this ZIP (2024).

Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.

Income & tax statistics

Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $1910.6M across all reported brackets.

Business & employment

Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.

Employment & wages

That is roughly 3% below the US national average of $65,470 per worker.

Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.

Unemployment

Based on San Joaquin County, CA data (2024).

Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.

Banking access

Based on FDIC-insured branch offices as of June 30, 2024.

Source: FDIC Summary of Deposits (fdic.gov). Annual June-30 snapshot of every FDIC-insured branch and the deposits booked there. Figures cover all institutions reporting a branch address in this ZIP.

Community health centers

Federally Qualified Health Centers (FQHCs) and Look-Alike sites provide primary care on a sliding-fee scale, regardless of ability to pay. Active sites only; data refreshed 2026.

Source: HRSA Bureau of Primary Health Care (data.hrsa.gov). Per-ZIP counts of active service-delivery sites operated by Health Center Program grantees and Look-Alike organizations.

Alternative-fuel stations

Active public stations only. Snapshot taken 2026; AFDC's underlying registry refreshes continuously as stations open and close.

Source: U.S. Department of Energy via NREL (afdc.energy.gov). Per-ZIP counts of active public alternative-fuel stations (electric, hydrogen, propane, CNG, biodiesel, E85, LNG, renewable diesel) and EV charging-port totals.

Social Vulnerability Index

The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.

Federal Disaster Declarations

FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.

Air quality

Based on San Joaquin County data (2024).

Source: U.S. Environmental Protection Agency, Air Quality System (epa.gov). Public domain. Only counties with EPA AQS monitoring stations appear here (~30% of US counties); rural ZIPs whose primary county has no monitor will not show this section.

Community health profile

Low birth weight (under 2,500 g) accounts for 7.7% of live births in this county — an early-life health input that downstream outcomes track against.

Based on San Joaquin data (2025 CHR release).

Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.

Food access

Among low-income residents, 4.5% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).

Per-1,000 figures show how many of each store type exist in San Joaquin County, CA for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.

Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).

Who’s moving in and out

Incoming households reported an average AGI of $82,521 versus departing households' $68,239.

Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.

Data sources used on this page

Health profile

Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.

Schools in this ZIP

5 schools serve this ZIP, including 5 non-charter.

Schools listed from NCES Common Core of Data via the Urban Institute Education Data Portal.

Colleges & universities nearby

• Modesto Junior College

  Modesto, CA · 95350

  4-Year

  In-state tuition

  $1,282

  Out-of-state tuition

  $9,264

  Acceptance rate

  —

  Graduation rate

  27.8%

  Median earnings (10 yr)

  $42,368

  Median student debt

  —

• Merced College

  Merced, CA · 95348

  2-Year

  In-state tuition

  $1,200

  Out-of-state tuition

  $8,520

  Acceptance rate

  —

  Graduation rate

  32.3%

  Median earnings (10 yr)

  $37,815

  Median student debt

  —

• California State University-Stanislaus

  Turlock, CA · 95382

  4-Year

  In-state tuition

  $8,246

  Out-of-state tuition

  $20,846

  Acceptance rate

  98.1%

  Graduation rate

  55.6%

  Median earnings (10 yr)

  $63,188

  Median student debt

  $13,540

• University of California-Merced

  Merced, CA · 95343

  4-Year

  In-state tuition

  $15,623

  Out-of-state tuition

  $49,823

  Acceptance rate

  90.5%

  Graduation rate

  68.9%

  Median earnings (10 yr)

  $64,368

  Median student debt

  $16,144

• Columbia College

  Sonora, CA · 95370

  2-Year

  In-state tuition

  $1,282

  Out-of-state tuition

  $9,264

  Acceptance rate

  —

  Graduation rate

  28.5%

  Median earnings (10 yr)

  $39,035

  Median student debt

  —

• San Joaquin Valley College-Modesto

  Salida, CA · 95368

  2-Year

  In-state tuition

  —

  Out-of-state tuition

  —

  Acceptance rate

  —

  Graduation rate

  69.5%

  Median earnings (10 yr)

  $38,317

  Median student debt

  $10,674

• Milan Institute-Merced

  Merced, CA · 95340

  Certificate

  In-state tuition

  —

  Out-of-state tuition

  —

  Acceptance rate

  —

  Graduation rate

  50.4%

  Median earnings (10 yr)

  $24,879

  Median student debt

  $6,333

• Sierra College of Beauty

  Merced, CA · 95340

  Certificate

  In-state tuition

  —

  Out-of-state tuition

  —

  Acceptance rate

  —

  Graduation rate

  84.4%

  Median earnings (10 yr)

  $18,519

  Median student debt

  —

• Paul Mitchell the School-Modesto

  Modesto, CA · 95350

  Certificate

  In-state tuition

  —

  Out-of-state tuition

  —

  Acceptance rate

  —

  Graduation rate

  70.0%

  Median earnings (10 yr)

  $28,691

  Median student debt

  $6,211

• North Adrian's College of Beauty Inc

  Modesto, CA · 95350

  Certificate

  In-state tuition

  —

  Out-of-state tuition

  —

  Acceptance rate

  —

  Graduation rate

  66.3%

  Median earnings (10 yr)

  $27,269

  Median student debt

  $11,000

Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.

What these numbers say together

Frequently Asked Questions — ZIP 95377

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