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Modesto city, CA

ZIP 95351 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95351

Median Home Value
$315,700
Median Rent
$1,104
Affordability Snapshot
$87,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,028/mo PITI).

23%
Rent-to-Income Ratio

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

5.6x
Home Price-to-Income Ratio

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

23.8 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 95351 in Modesto city, CA, a household would need roughly $87,000 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 $2,028. That is about 53% above the local median household income ($56,869), 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
48.7%-26% vs US avg
x
Vacancy Rate
4.3%-58% vs US avg
x
Broadband Access
89.2%+3% vs US avg
x
4+ Bedrooms
1.3%-92% vs US avg
x
Built Pre-1939
10.0%-22% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
28.4%-43% vs US avg
x
Mortgage-Free
38.4%+1% vs US avg
x
$315,700
Home Value
$1,104
Rent
1976
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached74.9%
  • 1-unit attached6.2%
  • 2-9 units5.5%
  • 10+ units6.2%
  • Mobile home & other7.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$315,700
Median rent$1,104
Owner-occupied48.7%
Vacant4.3%
Price-to-income5.6x
Est. income to buy$87,000