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Modesto city, CA

ZIP 95355 — 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 95355

Median Home Value
$447,600
Median Rent
$1,476
Affordability Snapshot
$123,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,875/mo PITI).

21%
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.

25.3 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 95355 in Modesto city, CA, a household would need roughly $123,000 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 $2,875. That is about 47% above the local median household income ($83,460), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
60.9%-7% vs US avg
x
Vacancy Rate
3.5%-66% vs US avg
x
Broadband Access
93.4%+7% vs US avg
x
4+ Bedrooms
4.9%-67% vs US avg
x
Built Pre-1939
1.5%-89% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
29.7%-40% vs US avg
x
Mortgage-Free
33.8%-12% vs US avg
x
$447,600
Home Value
$1,476
Rent
1982
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 detached68.5%
  • 1-unit attached6.9%
  • 2-9 units9.5%
  • 10+ units11.8%
  • Mobile home & other3.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$447,600
Median rent$1,476
Owner-occupied60.9%
Vacant3.5%
Price-to-income5.4x
Est. income to buy$123,000