Market Intelligence · CA / Tracy

Tracy, CA 95304 Housing Market

The typical home in Tracy, CA 95304 is worth $920,793 as of September 2026, down 0.9% over the past year. The median list price sits higher at $995,750, and homes are taking a median of 66 days to sell.

Updated September 2026Median value$921K

The median home value in Tracy, CA 95304 is $921K as of September 2026, down 0.9% year over year, according to Zillow ZHVI. For a read on your own home, start with a free consultation: a licensed local pro will walk you through your numbers and your options, with no obligation.

Sell without the wait

Sell your Tracy home for cash.

A competitive, no-obligation cash offer from our institutional network. No repairs, no showings, close on your timeline. Most sellers get their cash offer within 24 hours.

Typical 95304 range

$847K to $994K

This is an automated estimate, not an appraisal. Actual value is determined by current market conditions and professional evaluation. It is provided for informational purposes only and is not an offer to buy or a promise of value.

Not sure cash is the right move? Discuss your options with a licensed local pro, free.

Asset monitoring

Track your home's value.

A free monthly briefing with your estimated value and 95304 market stats. Unsubscribe anytime.

See how a cash offer works citywide: Sell your house fast in Tracy, CA.

12-month value trend

-0.9% over 12 months

Sep 2025$929K

Low $921KHigh $930K

Sep 2026$921K

The numbers

What is the 95304 housing market like?

As of September 2026

Typical home value

$921K

0.9%YoY

Median list price

$996K

2.1%MoM

Days on market

29.4%MoM

Homes for sale

2.5%MoM

Price cuts

31.8%

40.6%MoM

New listings

33.3%MoM

Sources · Zillow ZHVI (September 2026) / Realtor.com (September 2026) / FRED (October 2026)

The outlook

95304 housing market forecast 2027

-1.0%

Zillow forecast, 12 months to September 2027

Zillow forecasts typical home values in 95304 to fall 1.0% by September 2027.

Over the 12 months through September 2026, typical home values in 95304 fell 0.9%, per the Zillow Home Value Index.

Will home prices drop in 95304?

Zillow's forecast says they may: it expects typical home values in 95304 to fall 1.0% by September 2027, after a 0.9% decline over the past 12 months. Forecasts are not guarantees: mortgage rates, inventory, and the wider economy can move values either way.

Forecast: Zillow Home Value Forecast, published October 2026. A forecast, not a guarantee.

Free home value report

See what your 95304 home is worth.

See your estimated value and a real cash offer, side by side. No obligation, about a minute.

The comparison

How do 95304 home prices compare?

95304$920,793
Tracy$792,211
California$692,765
United States$285,347

Median Zillow home value (ZHVI), as of September 2026. Comparison levels are medians across every ZIP code with Zillow data (Tracy: 4 ZIPs; California: 1,543 ZIPs; United States: 26,262 ZIPs).

Context

As of September 2026, there are 41 homes for sale in 95304, with 16 new listings coming on during the same period. The median list price of $995,750 runs well above the typical home value of $920,793, which is down 0.9% over the past year. Homes are spending a median of 66 days on market, and 31.8% of listings have taken a price cut. That is a slower pace than a hot market, but not a stalled one. For a seller, the honest read is that buyers have some leverage, and pricing realistically from day one matters more than testing a high number.

Monthly payment

Estimate your monthly payment.

Home price

Down payment20% · $184,159

Term

Rate (%)

Common questions

What people ask us.

How much is a home in 95304 worth?

The typical home value in Tracy, CA 95304 is $920,793 as of September 2026, down 0.9% over the past year. The median list price is $995,750, so asking prices tend to run above typical values.

How long does it take to sell a home in 95304?

Homes in 95304 are spending a median of 66 days on market as of September 2026. That is a measured pace, not a fast-moving market.

Are sellers cutting prices in Tracy, CA 95304?

Yes. As of September 2026, 31.8% of active listings in 95304 have taken a price cut, with 41 homes for sale and 16 new listings entering the market.

Discover

Nearby ZIP markets.

Keep reading