Stockton FHA Loan Rates, Closing Costs & Stats

STOCKTON, CA

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    • FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

    FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

    While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

    For additional requirements as defined by the FHA, click here.

    Stockton's 126 lenders originated 2,010 FHA loans during 2024. The total origination value was $913,460,000, with an average FHA loan value of $454,458.

    Stockton FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Stockton averaged 6.43% for the week of 2025-05-23, compared to the national average (all FHA variants) of 6.612% for the same period.

    Stockton's average FHA mortgage closing costs are $12,323.

    The average rate for the prior week (2025-05-16) was 6.66% and one month ago for the week of 2025-04-18, the average rate was 6.69%.

    The average rate one year ago was 6.66%.

    For refis of the same type during the week of 2025-05-23, the average rate was 6.35%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Stockton FHA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Stockton level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 393 6.07% $17,031
    QUICKEN LOANS, LLC 159 6.18% $15,701
    LOANDEPOT.COM, LLC 106 5.96% $18,709
    Paramount Residential Mortgage Group, Inc. 67 6.32% $17,482
    CROSSCOUNTRY MORTGAGE, LLC 59 6.29% $18,405
    HOMEAMERICAN MORTGAGE CORPORATION 50 5.16% $14,466
    Century Mortgage Company DBA Century Lending Company 49 6.15% $17,642
    EAGLE HOME MORTGAGE, LLC 49 5.27% $18,756
    FREEDOM MORTGAGE CORPORATION 46 6.40% $15,276
    SUMMIT FUNDING, INC. 46 6.34% $19,743
    PENNYMAC LOAN SERVICES, LLC 42 5.84% $14,173
    AMERICAN PACIFIC MORTGAGE CORPORATION 39 6.45% $17,237
    Sierra Pacific Mortgage Company, Inc. 34 6.27% $18,475
    GUARANTEED RATE, INC. 32 6.30% $15,401
    Performance Financial, Inc. 27 6.14% $19,066
    KBHS HOME LOANS, LLC 24 5.72% $24,021
    SUN WEST MORTGAGE COMPANY, INC. 22 6.29% $18,102
    GUILD MORTGAGE COMPANY 22 6.16% $19,165
    Equity Prime Mortgage LLC 20 6.73% $15,403
    HOMEOWNERS FINANCIAL GROUP USA, LLC 20 6.38% $21,085
    OCMBC, INC. 19 6.45% $17,234
    BROKER SOLUTIONS, INC. 17 6.42% $18,903
    Commerce Home Mortgage, Inc. 17 6.34% $15,015
    The Loan Store, Inc. 16 6.24% $15,726
    NEWREZ LLC 15 5.94% $16,966
    AMERICAN FINANCIAL NETWORK, INC. 15 6.98% $17,069
    PRIMARY RESIDENTIAL MORTGAGE, INC. 14 6.35% $11,267
    LAND HOME FINANCIAL SERVICES, INC. 14 6.69% $17,885
    MORTGAGEONE, INC. 11 6.16% $22,807
    Golden Empire Mortgage, Inc. 11 6.56% $22,083
    Mr. Cooper ( Nationstar Mortgage ) 11 6.44% $20,191
    EVERETT FINANCIAL, INC. 10 6.95% $22,457
    SCENIC OAKS FUNDING, INC. 10 6.16% $19,226
    LAKEVIEW LOAN SERVICING, LLC 10 6.15% $10,443
    Home Mortgage Alliance Corp 10 6.38% $17,118
    CMG MORTGAGE, INC. 10 6.45% $18,113
    VILLAGE CAPITAL MORTGAGE 10 5.99% $8,797
    PACIFIC RESIDENTIAL MORTGAGE, LLC 9 6.03% $17,274
    MASON MCDUFFIE MORTGAGE CORPORATION 9 6.22% $16,449
    AMERITRUST MORTGAGE CORPORATION 9 6.44% $17,379
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 9 6.33% $17,786
    S1L, Inc. 8 6.22% $16,579
    Flagstar Bank, FSB 8 6.24% $14,513
    PLAZA HOME MORTGAGE, INC. 8 6.64% $16,374
    DHI MORTGAGE COMPANY, LTD. 8 5.35% $14,895
    NATIONS DIRECT MORTGAGE, LLC 8 6.47% $14,451
    AMERISAVE MORTGAGE CORPORATION 7 6.27% $18,263
    Lakeview Community Capital, LLC 7 6.00% $9,093
    PRIMELENDING, A PLAINSCAPITAL COMPANY 7 6.52% $22,043
    U.S. Bank 7 5.96% $20,602
    Franklin Loan Corporation 6 6.31% $15,477
    PLANET HOME LENDING, LLC 6 5.83% $10,400
    MLD MORTGAGE INC. 6 6.52% $17,272
    INTELLILOAN, INC. 6 6.35% $8,267
    JMAC LENDING, INC. 6 6.19% $19,086
    PHH Mortgage Corporation 5 5.97% $11,567
    Carrington Mortgage Services, LLC 5 6.18% $16,494
    ALLIED MORTGAGE GROUP, INC. 5 6.38% $17,655
    NOVA FINANCIAL & INVESTMENT CORPORATION 4 5.62% $12,744
    ML Mortgage Corp. 4 6.47% $17,331
    South Pacific Financial Corporation 4 5.75% $15,610
    Watermark Capital, Inc. 4 6.03% $13,037
    ENVOY MORTGAGE, LTD 4 6.41% $18,405
    Plains Commerce Bank 4 5.97% $14,620
    HOMESIDE FINANCIAL, LLC 4 6.56% $18,270
    INSPIRE HOME LOANS INC. 4 6.03% $22,244
    AmeriHome Mortgage Company, LLC 4 6.22% $9,249
    LADERA LENDING, INC. 4 6.16% $18,073
    ZILLOW HOME LOANS, LLC 3 5.79% $17,796
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 3 5.87% $21,395
    Ameris Bank 3 6.29% $14,349
    CARDINAL FINANCIAL 3 5.79% $17,511
    CITY FIRST MORTGAGE SERVICES, L.L.C. 3 6.00% $16,411
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 3 6.54% $18,161
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 3 3.66% $15,666
    PREMIER MORTGAGE RESOURCES, L.L.C. 3 6.42% $20,799
    RESIDENTIAL BANCORP 3 6.71% $16,992
    THE GOLDEN 1 3 5.71% $17,004
    UNION HOME MORTGAGE CORP. 3 6.88% $12,657
    Vellum Mortgage, Inc. 3 6.46% $13,663
    MICHIGAN MUTUAL, INC. 2 6.13% $17,848
    VERITAS FUNDING, LLC 2 6.75% $14,360
    SNAPFI, INC. 2 6.19% $12,477
    BMO Harris Bank 2 6.06% $13,722
    NEW WAVE LENDING GROUP INC 2 6.44% $20,852
    Keystone Funding, Inc. 2 5.75% $13,330
    The Federal Savings Bank 2 6.38% $23,383
    VISION ONE MORTGAGE, INC. 2 6.13% $14,047
    Bank of America 2 6.63% $13,714
    JPMorgan Chase Bank 2 6.37% $17,042
    AXIA FINANCIAL, LLC 2 6.25% $10,343
    HOMEBRIDGE FINANCIAL SERVICES, INC. 2 6.63% $15,104
    GUARANTEED RATE AFFINITY, LLC 2 6.31% $17,146
    MORTGAGE SOLUTIONS OF COLORADO, LLC 2 6.25% $13,940
    GENEVA FINANCIAL, LLC 2 6.50% $17,492
    LOANPAL, LLC 2 6.13% $13,368
    DIRECTIONS EQUITY, LLC 2 6.00% $15,970
    MK LENDING CORP. 2 6.19% $16,795
    NATIONWIDE MORTGAGE BANKERS, INC. 1 6.25% $25,422
    CALCON MUTUAL MORTGAGE LLC 1 6.00% $24,113
    BAY-VALLEY MORTGAGE GROUP 1 5.88% $21,971
    Barrington Bank & Trust Company, N.A. 1 6.63% $19,102
    AMERICAN FINANCING CORPORATION 1 5.50% $20,885
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.13% $20,726
    ALAMEDA MORTGAGE CORPORATION 1 6.13% $14,888
    MOVEMENT MORTGAGE, LLC 1 5.75% $19,294
    Mortgage Research Center, LLC 1 6.25% $17,277
    MUTUAL OF OMAHA MORTGAGE, INC. 1 7.25% $14,828
    Shea Mortgage Inc. 1 5.50% $12,161
    NexBank 1 6.13% $28,644
    NFM, INC. 1 6.63% $15,245
    LOANLEADERS OF AMERICA, INC. 1 6.63% $15,522
    ON Q FINANCIAL, INC. 1 5.75% $22,214
    Pacific Lending LLC 1 6.25% $22,147
    LEADERONE FINANCIAL CORPORATION 1 6.50% $18,839
    PANORAMA MORTGAGE GROUP, LLC 1 6.75% $20,447
    FIRST COMMUNITY MORTGAGE, INC. 1 6.75% $13,490
    PNC Bank 1 6.25% $17,461
    DAS Acquisition Company, LLC 1 5.75% $17,351
    COASTAL FUNDING SLC, INC. 1 7.00% $8,008
    PROPER RATE, LLC 1 4.99% $14,874
    Prosperity Home Mortgage, LLC 1 6.63% $10,794
    City Lending Inc. 1 7.75% $24,843
    AmRes Corporation 1 6.63% $20,356
    CHURCHILL MORTGAGE CORPORATION 1 5.75% $23,391
    CASTLE & COOKE MORTGAGE, LLC 1 7.25% $11,760

    The top Stockton FHA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 393 FHA loans originated. Their average total fees are $17,031, which is $1,331 higher than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Stockton FHA lenders (with over 10 loans originated) are VILLAGE CAPITAL MORTGAGE ($8,797), LAKEVIEW LOAN SERVICING, LLC ($10,443), PRIMARY RESIDENTIAL MORTGAGE, INC. ($11,267), PENNYMAC LOAN SERVICES, LLC ($14,173) and HOMEAMERICAN MORTGAGE CORPORATION ($14,466).

    The lowest rate Stockton FHA lenders (with over 10 loans originated) are HOMEAMERICAN MORTGAGE CORPORATION (5.16%), EAGLE HOME MORTGAGE, LLC (5.27%), KBHS HOME LOANS, LLC (5.72%), PENNYMAC LOAN SERVICES, LLC (5.84%) and NEWREZ LLC (5.94%).

    Stockton FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    STOCKTON, CA SAN JOAQUIN 2022 $563,500 $721,400 $872,000 $1,083,650
    STOCKTON, CA SAN JOAQUIN 2023 $656,650 $840,650 $1,016,150 $1,262,800

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Stockton (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $383,500 (12.1%) $466,243 (8.2%) 1.42 825
    2018-02-01 $377,000 (8.0%) $467,496 (9.4%) 1.37 821
    2018-03-01 $375,000 (7.9%) $454,806 (6.6%) 1.32 828
    2018-04-01 $383,000 (6.4%) $470,046 (8.8%) 1.30 920
    2018-05-01 $383,000 (3.0%) $478,855 (7.4%) 1.28 1,039
    2018-06-01 $389,900 (2.8%) $482,302 (7.6%) 1.30 1,151
    2018-07-01 $389,900 (1.3%) $475,160 (6.0%) 1.30 1,216
    2018-08-01 $385,500 (1.5%) $464,159 (3.8%) 1.29 1,371
    2018-09-01 $385,000 (1.6%) $464,069 (4.0%) 1.29 1,475
    2018-10-01 $385,000 (2.7%) $460,830 (3.3%) 1.30 1,506
    2018-11-01 $386,425 (2.9%) $509,344 (12.2%) 1.31 1,504
    2018-12-01 $389,000 (2.4%) $461,578 (0.7%) 1.34 1,395
    2019-01-01 $386,250 (0.7%) $452,564 (-2.9%) 1.33 1,206
    2019-02-01 $380,000 (0.8%) $452,218 (-3.3%) 1.28 1,151
    2019-03-01 $400,082 (6.7%) $476,973 (4.9%) 1.31 1,141
    2019-04-01 $417,000 (8.9%) $488,914 (4.0%) 1.32 1,176
    2019-05-01 $419,500 (9.5%) $497,400 (3.9%) 1.31 1,304
    2019-06-01 $424,999 (9.0%) $554,533 (15.0%) 1.33 1,403
    2019-07-01 $428,598 (9.9%) $873,615 (83.9%) 1.34 1,456
    2019-08-01 $426,848 (10.7%) $1,030,356 (122.0%) 1.35 1,441
    2019-09-01 $422,121 (9.6%) $782,546 (68.6%) 1.35 1,467
    2019-10-01 $419,247 (8.9%) $534,562 (16.0%) 1.35 1,474
    2019-11-01 $425,000 (10.0%) $482,396 (-5.3%) 1.39 1,378
    2019-12-01 $432,500 (11.2%) $491,445 (6.5%) 1.44 1,131
    2020-01-01 $424,975 (10.0%) $494,574 (9.3%) 1.42 981
    2020-02-01 $434,000 (14.2%) $504,604 (11.6%) 1.42 893
    2020-03-01 $429,225 (7.3%) $500,527 (4.9%) 1.35 905
    2020-04-01 $429,450 (3.0%) $502,525 (2.8%) 1.35 975
    2020-05-01 $432,450 (3.1%) $510,224 (2.6%) 1.31 964
    2020-06-01 $445,750 (4.9%) $532,692 (-3.9%) 1.31 772
    2020-07-01 $445,000 (3.8%) $548,761 (-37.2%) 1.29 640
    2020-08-01 $449,000 (5.2%) $548,911 (-46.7%) 1.29 566
    2020-09-01 $455,450 (7.9%) $568,386 (-27.4%) 1.31 562
    2020-10-01 $450,000 (7.3%) $550,808 (3.0%) 1.29 555
    2020-11-01 $450,000 (5.9%) $574,401 (19.1%) 1.32 490
    2020-12-01 $449,950 (4.0%) $578,313 (17.7%) 1.34 400
    2021-01-01 $450,000 (5.9%) $601,515 (21.6%) 1.34 334
    2021-02-01 $459,500 (5.9%) $607,067 (20.3%) 1.34 330
    2021-03-01 $453,450 (5.6%) $590,781 (18.0%) 1.29 382
    2021-04-01 $498,250 (16.0%) $625,326 (24.4%) 1.35 410
    2021-05-01 $499,000 (15.4%) $623,769 (22.3%) 1.33 446
    2021-06-01 $524,595 (17.7%) $643,418 (20.8%) 1.38 569
    2021-07-01 $540,000 (21.4%) $643,722 (17.3%) 1.42 677
    2021-08-01 $537,450 (19.7%) $650,459 (18.5%) 1.43 792
    2021-09-01 $542,250 (19.1%) $646,095 (13.7%) 1.45 825
    2021-10-01 $539,570 (19.9%) $632,949 (14.9%) 1.44 816
    2021-11-01 $540,144 (20.0%) $632,138 (10.1%) 1.44 649
    2021-12-01 $542,475 (20.6%) $649,193 (12.3%) 1.47 491
    2022-01-01 $548,250 (21.8%) $660,166 (9.8%) 1.48 383
    2022-02-01 $565,000 (23.0%) $700,971 (15.5%) 1.47 395
    2022-03-01 $595,000 (31.2%) $740,624 (25.4%) 1.49 447
    2022-04-01 $600,000 (20.4%) $741,732 (18.6%) 1.43 559
    2022-05-01 $627,000 (25.7%) $733,646 (17.6%) 1.43 798
    2022-06-01 $631,997 (20.5%) $718,105 (11.6%) 1.41 1,031
    2022-07-01 $601,278 (11.4%) $682,566 (6.0%) 1.35 1,321
    2022-08-01 $594,795 (10.7%) $664,683 (2.2%) 1.38 1,333
    2022-09-01 $581,950 (7.3%) $659,698 (2.1%) 1.36 1,237
    2022-10-01 $560,000 (3.8%) $640,970 (1.3%) 1.32 1,239
    2022-11-01 $550,450 (1.9%) $636,525 (0.7%) 1.32 1,138
    2022-12-01 $542,745 (0.1%) $631,515 (-2.7%) 1.34 955
    2023-01-01 $539,495 (-1.6%) $623,692 (-5.5%) 1.34 798
    2023-02-01 $543,998 (-3.7%) $633,471 (-9.6%) 1.31 672
    2023-03-01 $547,500 (-8.0%) $646,803 (-12.7%) 1.29 574
    2023-04-01 $579,000 (-3.5%) $685,337 (-7.6%) 1.35 538
    2023-05-01 $575,000 (-8.3%) $681,551 (-7.1%) 1.30 546
    2023-06-01 $582,000 (-7.9%) $698,264 (-2.8%) 1.31 534
    2023-07-01 $587,800 (-2.2%) $705,176 (3.3%) 1.34 579
    2023-08-01 $585,965 (-1.5%) $681,632 (2.6%) 1.35 626
    2023-09-01 $579,900 (-0.4%) $671,533 (1.8%) 1.35 672
    2023-10-01 $582,500 (4.0%) $673,903 (5.1%) 1.37 716
    2023-11-01 $575,000 (4.5%) $677,362 (6.4%) 1.37 784
    2023-12-01 $549,000 (1.2%) $673,014 (6.6%) 1.34 702
    2024-01-01 $544,450 (0.9%) $678,020 (8.7%) 1.33 596
    2024-02-01 $549,500 (1.0%) $678,670 (7.1%) 1.32 613
    2024-03-01 $562,000 (2.7%) $672,079 (3.9%) 1.32 627
    2024-04-01 $593,200 (2.5%) $699,992 (2.1%) 1.38 647
    2024-05-01 $597,000 (3.8%) $692,069 (1.5%) 1.36 784
    2024-06-01 $596,900 (2.6%) $673,558 (-3.5%) 1.36 888
    2024-07-01 $592,498 (0.8%) $672,796 (-4.6%) 1.36 972
    2024-08-01 $585,000 (-0.2%) $660,773 (-3.1%) 1.36 1,035
    2024-09-01 $569,975 (-1.7%) $649,339 (-3.3%) 1.34 1,110
    2024-10-01 $571,079 (-2.0%) $648,855 (-3.7%) 1.34 1,142
    2024-11-01 $562,822 (-2.1%) $642,438 (-5.2%) 1.35 1,174
    2024-12-01 $564,277 (2.8%) $646,035 (-4.0%) 1.40 981
    2025-01-01 $565,000 (3.8%) $648,116 (-4.4%) 1.41 892
    2025-02-01 $572,500 (4.2%) $649,743 (-4.3%) 1.39 966
    2025-03-01 $595,700 (6.0%) $663,815 (-1.2%) 1.40 1,062
    2025-04-01 $599,450 (1.1%) $680,648 (-2.8%) 1.39 1,212
    Stockton's median listing price for 2025-04-01 was $599,450, a difference of $6,250 (1.1%) versus the prior year and $3,750 versus the prior month.

    Stockton's median listing price comes in at 139% of the national average.

    Stockton's average listing price for 2025-04-01 was $680,648, a difference of $-19,344 (-2.8%) versus the prior year and $16,833 versus the prior month.

    For the 2025-04-01 period, Stockton had 1,212 MLS listings, a difference of 150 listings (14%) versus the prior month and 565 listings (87%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Stockton (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 53 days 1,891 sqft
    2018-02-01 37 days 1,824 sqft
    2018-03-01 33 days 1,787 sqft
    2018-04-01 31 days 1,797 sqft
    2018-05-01 30 days 1,800 sqft
    2018-06-01 36 days 1,830 sqft
    2018-07-01 37 days 1,819 sqft
    2018-08-01 37 days 1,789 sqft
    2018-09-01 37 days 1,802 sqft
    2018-10-01 44 days 1,809 sqft
    2018-11-01 45 days 1,794 sqft
    2018-12-01 53 days 1,800 sqft
    2019-01-01 63 days 1,786 sqft
    2019-02-01 48 days 1,774 sqft
    2019-03-01 40 days 1,827 sqft
    2019-04-01 37 days 1,873 sqft
    2019-05-01 36 days 1,917 sqft
    2019-06-01 38 days 1,901 sqft
    2019-07-01 43 days 1,926 sqft
    2019-08-01 46 days 1,921 sqft
    2019-09-01 46 days 1,879 sqft
    2019-10-01 47 days 1,852 sqft
    2019-11-01 52 days 1,887 sqft
    2019-12-01 64 days 1,889 sqft
    2020-01-01 66 days 1,856 sqft
    2020-02-01 50 days 1,890 sqft
    2020-03-01 41 days 1,877 sqft
    2020-04-01 44 days 1,867 sqft
    2020-05-01 56 days 1,897 sqft
    2020-06-01 58 days 1,918 sqft
    2020-07-01 58 days 1,899 sqft
    2020-08-01 40 days 1,898 sqft
    2020-09-01 35 days 1,886 sqft
    2020-10-01 35 days 1,826 sqft
    2020-11-01 38 days 1,827 sqft
    2020-12-01 46 days 1,779 sqft
    2021-01-01 44 days 1,774 sqft
    2021-02-01 28 days 1,701 sqft
    2021-03-01 27 days 1,638 sqft
    2021-04-01 23 days 1,728 sqft
    2021-05-01 24 days 1,753 sqft
    2021-06-01 21 days 1,830 sqft
    2021-07-01 25 days 1,827 sqft
    2021-08-01 25 days 1,844 sqft
    2021-09-01 30 days 1,838 sqft
    2021-10-01 33 days 1,836 sqft
    2021-11-01 40 days 1,825 sqft
    2021-12-01 45 days 1,803 sqft
    2022-01-01 39 days 1,760 sqft
    2022-02-01 28 days 1,737 sqft
    2022-03-01 25 days 1,821 sqft
    2022-04-01 24 days 1,890 sqft
    2022-05-01 24 days 1,905 sqft
    2022-06-01 26 days 1,925 sqft
    2022-07-01 31 days 1,894 sqft
    2022-08-01 38 days 1,900 sqft
    2022-09-01 45 days 1,896 sqft
    2022-10-01 48 days 1,872 sqft
    2022-11-01 51 days 1,880 sqft
    2022-12-01 62 days 1,848 sqft
    2023-01-01 65 days 1,854 sqft
    2023-02-01 53 days 1,872 sqft
    2023-03-01 45 days 1,851 sqft
    2023-04-01 33 days 1,912 sqft
    2023-05-01 34 days 1,861 sqft
    2023-06-01 33 days 1,898 sqft
    2023-07-01 30 days 1,885 sqft
    2023-08-01 32 days 1,867 sqft
    2023-09-01 35 days 1,837 sqft
    2023-10-01 38 days 1,872 sqft
    2023-11-01 39 days 1,842 sqft
    2023-12-01 47 days 1,769 sqft
    2024-01-01 54 days 1,784 sqft
    2024-02-01 37 days 1,767 sqft
    2024-03-01 36 days 1,824 sqft
    2024-04-01 34 days 1,861 sqft
    2024-05-01 32 days 1,900 sqft
    2024-06-01 36 days 1,900 sqft
    2024-07-01 37 days 1,863 sqft
    2024-08-01 40 days 1,860 sqft
    2024-09-01 41 days 1,824 sqft
    2024-10-01 45 days 1,814 sqft
    2024-11-01 47 days 1,795 sqft
    2024-12-01 55 days 1,812 sqft
    2025-01-01 62 days 1,788 sqft
    2025-02-01 38 days 1,787 sqft
    2025-03-01 40 days 1,840 sqft
    2025-04-01 39 days 1,891 sqft
    Stockton's median listing age (time on market) for 2025-04-01 was 39 days. This is 12% longer than the same period one year ago.

    Stockton's median square footage for active listings during the 2025-04-01 period was 1,891 sqft. One year prior, the average listing was 1,861 sqft.

    FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).