Best Places95227, CA Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 95227, scored on 40 measures of daily life and ranked to fit what matters to you. Local pay runs high here, and housing takes the biggest bite out of it. To work out which city fits you best, start with the best places to live tool.
95227 ranks 6,779th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on high incomes by a wide margin, and long commutes are the weak spot.
The best neighborhoods in 95227
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
95227's strengths and weaknesses
Where 95227 ranks high
- Household income$183,453 median, better than 99% of zip codes
- Cost of living vs incomeBetter than 96% of zip codes
- Nice weatherabout 144 pleasant days a year, better than 87% of zip codes
- QuietBetter than 87% of zip codes
- Big-city accessBetter than 86% of zip codes
Where 95227 ranks low
- Short commute45.0 minutes each way, better than only 1% of zip codes
- Low income/sales/gas taxBetter than only 10% of zip codes
- Heat safetyBetter than only 10% of zip codes
- Cheap childcare$1,299 a month, better than only 16% of zip codes
- Internet speedBetter than only 16% of zip codes
What it costs to buy a home in 95227
A household needs to earn about $174,000 a year to comfortably buy the median 95227 home, at 20% down and today's 30-year rate. That is below the area's own median income of $183,453, so a typical household can afford the median home outright.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 95227's effective rate of 0.66%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices and rents, renting stays cheaper than buying across the first 10 years here, so the case for buying rests on staying much longer or on prices rising faster than assumed. The chart tracks the running cost of each.
Who lives in 95227
95227 runs older than the country.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 95227.
Who works in 95227, and how
Work in 95227 centers on construction and retail trade. Unemployment is low, and the job base is shrinking.
Largest industries
How people get to work
- Drive or carpool 84%
- Work from home 7%
- Transit, walk, or bike 9%
Life in 95227
The map and measures below break down dining, culture, and green space by neighborhood across 95227.
What the weather is like in 95227, month by month
95227 sees roughly 144 pleasant days a year. July highs average about 97 degrees. January highs sit near 58, with lows near 37. The comfortable stretch runs April through June, September, and October.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 58° | 46° | 37° |
| April | 71° | 57° | 43° |
| July | 97° | 80° | 61° |
| October | 79° | 63° | 49° |
Flying in and out of 95227
The nearest airport, Stockton Metro, is about 24 miles away and is a small airport. The nearest major hub is Sacramento International, about 45 miles away.
The best schools in and around 95227
Schools across 95227 average a B−, better than 61% of zip codes.
Top elementary schools
- Oak View ElementaryC+ · 39% proficient
- Lockeford ElementaryC− · 28% proficient
Top high schools
- Middle College HighA · 76% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 95227 school and its grade on SchoolGrade.
95227 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 95227 against the other 33,109 zip codes.
Common questions about living in 95227
Is 95227 a good place to live?
Using BestNeighborhood's default rankings, 95227 ranks 6,779th of 33,110 zip codes. It scores highest on high incomes, what local pay buys, and the weather, and lowest on long commutes and taxes. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 95227 expensive to live in?
The median home is worth $677,629. The overall cost of living runs about 28% above the national average. Set against a $183,453 median income, cost of living beats 96% of zip codes.
Is 95227 safe?
95227 is safer than 32% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $396 per resident a year.
Compare 95227 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 95227. Scores are absolute rather than ranked, which means a 60 in 95227 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
95227 detail on BestNeighborhood maps:
- Walk Grade for 95227: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 95227: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 95227: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 95227: carrier by carrier coverage behind the cell score.
95227 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.