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Modesto city, CA

ZIP 95354 — 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 95354

Median Home Value
$360,300
Median Rent
$1,240
Affordability Snapshot
$99,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,314/mo PITI).

23%
Rent-to-Income Ratio

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

5.5x
Home Price-to-Income Ratio

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

24.2 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 95354 in Modesto city, CA, a household would need roughly $99,000 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 $2,314. That is about 51% above the local median household income ($65,643), 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
47.9%-27% vs US avg
x
Vacancy Rate
7.1%-31% vs US avg
x
Broadband Access
88.6%+2% vs US avg
x
4+ Bedrooms
0.5%-97% vs US avg
x
Built Pre-1939
14.4%+13% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
28.4%-43% vs US avg
x
Mortgage-Free
29.8%-22% vs US avg
x
$360,300
Home Value
$1,240
Rent
1964
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached71.3%
  • 1-unit attached9.4%
  • 2-9 units11.2%
  • 10+ units7.5%
  • Mobile home & other0.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$360,300
Median rent$1,240
Owner-occupied47.9%
Vacant7.1%
Price-to-income5.5x
Est. income to buy$99,000