The median home in Lathrop, California is valued at $637,429, down 4.6% year over year. Typical monthly rent is $2,905, producing a price-to-rent ratio of 18.3x — near the national average of 18x. Lathrop is part of the Stockton, CA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$637,429

-4.6%

Rent$2,905/mo

Prices falling — better for buyers.

Affordability

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Income (annual)

Down Payment

$127,486 on $637,429

Example: $75,000 household income. Change it above to see your own.

Out of reach60% of income

Need $160,714/yr to afford.

PITI$3,750

P/I60%

Afford$297K

Gap-$340K

P&I $3,223Tax $377Ins $150

Renting $845/mo cheaper ($2,905 rent)6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in California

Compare Lathrop with other housing markets across California.

Atherton$7.52M Los Altos Hills$5.8M Montecito$5.25M Hidden Hills$4.99M Hillsborough$4.95M Los Altos$4.45M Belvedere$4.42M Rancho Santa Fe$4.19M

Full Stockton, CA analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Stockton, CA metro.

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Lathrop, CA