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Modesto city, CA

ZIP 95350 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLarge CommunityLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95350

Median Home Value
$397,100
Median Rent
$1,229
Affordability Snapshot
$109,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,551/mo PITI).

20%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

5.4x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

26.9 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 95350 in Modesto city, CA, a household would need roughly $109,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,551. That is about 48% above the local median household income ($73,611), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
57.2%-13% vs US avg
x
Vacancy Rate
4.2%-59% vs US avg
x
Broadband Access
90.4%+4% vs US avg
x
4+ Bedrooms
2.6%-83% vs US avg
x
Built Pre-1939
7.0%-45% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
28.8%-42% vs US avg
x
Mortgage-Free
35.4%-7% vs US avg
x
$397,100
Home Value
$1,229
Rent
1966
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached68.1%
  • 1-unit attached4.5%
  • 2-9 units13.7%
  • 10+ units11.8%
  • Mobile home & other1.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$397,100
Median rent$1,229
Owner-occupied57.2%
Vacant4.2%
Price-to-income5.4x
Est. income to buy$109,000