Best Places95632, CA Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 95632, scored on 40 measures of daily life and ranked to fit what matters to you. This page is for people who live here or already know they want to. To work out which city fits you best, start with the best places to live tool.
95632 ranks 13,500th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on the weather by a wide margin, and taxes are the weak spot.
The best neighborhoods in 95632
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.
95632's strengths and weaknesses
Where 95632 ranks high
- Nice weatherabout 158 pleasant days a year, better than 91% of zip codes
- Low vacancyBetter than 87% of zip codes
- Big-city accessBetter than 87% of zip codes
- Household income$105,496 median, better than 83% of zip codes
- Cell coverageBetter than 80% of zip codes
Where 95632 ranks low
- Low income/sales/gas taxBetter than only 10% of zip codes
- Tree shadeBetter than only 13% of zip codes
- Cheap childcare$1,331 a month, better than only 13% of zip codes
- QuietBetter than only 14% of zip codes
- Heat safetyBetter than only 16% of zip codes
What it costs to buy a home in 95632
A household needs to earn about $136,000 a year to comfortably buy the median 95632 home, at 20% down and today's 30-year rate. That runs well above the area's median income of $105,496, so buying stretches a typical household.
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 95632's effective rate of 0.72%, 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 95632
95632's age mix sits close to the national median, and households here run larger than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 95632.
Who works in 95632, and how
Work in 95632 centers on education and public administration. Unemployment is close to the national rate, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 84%
- Work from home 12%
- Transit, walk, or bike 4%
Life in 95632
The map and measures below break down dining, culture, and green space by neighborhood across 95632.
What the weather is like in 95632, month by month
95632 sees roughly 158 pleasant days a year. July highs average about 96 degrees. January highs sit near 59, with lows near 39. The comfortable stretch runs April through October.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 59° | 49° | 39° |
| April | 76° | 60° | 46° |
| July | 96° | 75° | 59° |
| October | 82° | 64° | 49° |
Flying in and out of 95632
The nearest airport, Stockton Metro, is about 26 miles away and is a small airport. The nearest major hub is Sacramento International, about 34 miles away.
The best schools in and around 95632
Schools across 95632 average a B−, better than 54% of zip codes.
Top elementary schools
- C. W. Dillard ElementaryB+ · 53% proficient
- Franklin ElementaryB+ · 53% proficient
- Oak View ElementaryC+ · 39% proficient
Top middle schools
- Elizabeth Pinkerton MiddleA · 62% proficient
- Katherine L. Albiani MiddleA · 61% proficient
- Joseph Kerr MiddleB · 45% proficient
Top high schools
- Middle College HighA · 76% proficient
- Cosumnes Oaks HighA− · 66% proficient
- Pleasant Grove HighA− · 66% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 95632 school and its grade on SchoolGrade.
95632 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 95632 against the other 33,109 zip codes.
Who 95632 suits
Remote workers
Internet is fast and widely advertised and 12% already work from home.
Common questions about living in 95632
Is 95632 a good place to live?
Using BestNeighborhood's default rankings, 95632 ranks 13,500th of 33,110 zip codes. It scores highest on the weather, few empty homes, and big-city access, and lowest on taxes and tree cover. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 95632 expensive to live in?
The median home is worth $527,701. The overall cost of living runs about 14% above the national average. Set against a $105,496 median income, cost of living beats 62% of zip codes.
Is 95632 safe?
95632 is safer than 38% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $386 per resident a year.
What is the weather like in 95632?
July highs average about 96 degrees, and January highs near 59 with lows near 39. That works out to about 158 pleasant days a year, more than 91% of zip codes.
Is 95632 good for families?
Schools beat 54% of zip codes, crime safety beats 38%, and childcare runs $1,331 a month.
Compare 95632 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 95632. Scores are absolute rather than ranked, which means a 60 in 95632 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.
95632 detail on BestNeighborhood maps:
- Walk Grade for 95632: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 95632: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 95632: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 95632: carrier by carrier coverage behind the cell score.
95632 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.