The story of this market
The typical home in ZIP 95686 sells for about $444,758, or $271 per square foot.
Prices are up +2% from a year ago, so sellers still have some momentum. Homes take about 29 days to sell, which is fast. HUD's fair market rent for a two-bedroom is $1,190 a month.
ZIP 95686 — Thornton
The housing market in the 95686 ZIP code is characterized by its rural nature and limited inventory. Market metrics for the broader Stockton area indicate a competitive environment with modest price growth, though specific ZIP-level sales volume remains low due to the small population size.
This ZIP is best suited for those seeking a rural, quiet lifestyle who are comfortable commuting to larger nearby cities for work and major services.
Median prices moved up 2.0% year over year.
Homes spend a median of 29 days on market with 3.7 months of supply — a fast-moving market.
0% of listings have cut prices · homes sell at 0% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 5.3% — a stable, low-distress profile.
ZCTA 95686, San Joaquin County CA
The area is served by schools such as New Hope Elementary, which maintains a rating of 5/10.
The area is primarily rural with limited large-scale commercial development, relying on the broader Stockton and Sacramento economic corridors for employment.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (California) — Mello-Roos Community Facilities Act Special Parcel Tax Assessment: Levies an annual direct, non-ad valorem special tax directly on the parcel's secured property tax bill to fund designated community infrastructure (e.g., roads, sewer facilities, school facilities, emergency services) and repay municipal debt bonds. State (California) — California Homeowners' Property Tax Exemption: Reduces the taxable assessed value of the qualifying owner-occupied principal residence by $7,000 against the county assessment roll, generating a direct tax savings of approximately $70 annually (computed as $7,000 × 1% base rate). State (California) — California Proposition 13 Ad Valorem Real Property Tax: Establishes a base ad valorem tax rate capped at 1.0% of assessed value plus voter-approved local indebtedness and direct assessments (typically resulting in an effective tax rate of 1.1% to 1.25%).
Residents typically commute toward the Stockton or Sacramento employment hubs via regional highway corridors.
The area is largely agricultural with limited local amenities, though it offers proximity to regional outdoor recreation in the San Joaquin Delta.
The local economy is heavily influenced by the agricultural sector of San Joaquin County, with residents commuting to Stockton and Sacramento for broader employment opportunities.
Parcels are served by local school districts including New Hope Elementary School District.
Data sourced from ZipDataMaps and Zips.us.com.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
- Barbara Morse Wackford Community & Aquatic Complex4.214.1 mi
- Sky Zone Trampoline Park4.213.6 mi
- Chuck E. Cheese4.114.2 mi
- Sky Zone Trampoline Park4.218.4 mi
- Chuck E. Cheese3.917.6 mi
- Golden Corral Buffet & Grill3.915.9 mi
- Elk Grove Regional Park4.712.5 mi
- Old Sugar Mill4.713.6 mi
- Grand Island Mansion4.76.6 mi
- Lodi Grape Festival Grounds4.313.2 mi
- Cosumnes River Preserve4.73.1 mi
- Lodi Lake4.611.6 mi
- Lodi Stadium 124.512.8 mi
- Oak Farm Vineyards4.47 mi
- Lodi Bowling Bar and Lounge4.212.9 mi
- Old Sugar Mill4.713.6 mi
- World of Wonders Science Museum4.613 mi
- Double Dip Gallery4.812.8 mi
- Sojourner Truth African Heritage Museum4.618.4 mi
- Cosumnes River Preserve4.73.1 mi
- Elk Grove Regional Park4.712.5 mi
- Lodi Lake4.611.6 mi
- Oasis Park Elk Grove CA4.711.7 mi
- Kammerer Park4.711.8 mi
- Tiki Lagoon Resort & Marina4.317.4 mi
- Windmill Cove Bar & Grill4.417 mi
- B & W Resort Marina4.59 mi
- King Island Marina Resort4.112.2 mi
- Sugar Barge RV Resort & Marina4.416 mi
- The Reserve At Spanos Park4.512.6 mi
- Emerald Lakes Golf Course4.411.7 mi
- Dry Creek Ranch Golf Course3.610.4 mi
- The Galt Flea Market4.49.9 mi
- Michael David Winery4.59.8 mi
- Kohl's412.6 mi
- HomeGoods4.412.5 mi
- Safeway4.312.2 mi
- Stockton Metropolitan Airport4.226.2 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area ranked by popularity within the radius shown.
Provides regional access to boating, fishing, and outdoor recreation.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.