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Modesto city, CA

ZIP 95358 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95358

Median Home Value
$401,100
Median Rent
$1,215
Affordability Snapshot
$110,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,577/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.

27.5 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 95358 in Modesto city, CA, a household would need roughly $110,000 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 $2,577. That is about 48% above the local median household income ($74,434), 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
61.0%-7% vs US avg
x
Vacancy Rate
5.6%-46% vs US avg
x
Broadband Access
90.2%+4% vs US avg
x
4+ Bedrooms
1.7%-89% vs US avg
x
Built Pre-1939
9.1%-29% vs US avg
x
Built Post-2014
0.2%-98% vs US avg
x
Rent Burden >30%
31.6%-36% vs US avg
x
Mortgage-Free
38.5%+1% vs US avg
x
$401,100
Home Value
$1,215
Rent
1981
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached91.2%
  • 1-unit attached2.6%
  • 2-9 units2.0%
  • 10+ units0.1%
  • Mobile home & other4.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$401,100
Median rent$1,215
Owner-occupied61.0%
Vacant5.6%
Price-to-income5.4x
Est. income to buy$110,000