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Area data

Modesto, CA — ZIP 95357

Population: 13,599 (Census ACS)

The median home value in ZIP 95357 (Modesto, CA) is $508,470 — down 0.1% over the past year. Homes sell for a median $500,000 after a median 27 days on market. 4 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively High, with drought, earthquake, inlandflooding the top-rated hazards. Cost of living is 13.3% above the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$508,470

Median home value

-0.1%

1-year change

27

Median days on market

Relatively High

Hazard risk (county)

Home values & appreciation

Median home value
$508,470
1-year appreciation
-0.1%
3-year appreciation
+4.4%
5-year appreciation
+11.8%
10-year appreciation
+76.6%
All-time peak (2022-07)
$520,393
House Price Index (state)
417.4 (-0.8% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$500,000
Median list price
$578,990
Median price per sqft
$287
1-year sale-price change
-6.2%
Median days on market
27 days
Homes sold (recent period)
26
For-sale inventory
30
Sale-to-list ratio
98.5%
Active listings
27
1-year forecast
-0.6%
New listings (monthly)
10

Source: recent area sales and market data (ZIP-level)

Rents

Studio fair-market rent
$1,495/mo
1BR fair-market rent
$1,869/mo
2BR fair-market rent
$2,330/mo
3BR fair-market rent
$3,029/mo
4BR fair-market rent
$3,495/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (High)
113.3 (100 = US avg)
Electricity rate (state-level)
32.5¢/kWh
Natural gas rate (state-level)
$22.00/MCF
30-year mortgage rate (national)
6.66%
15-year mortgage rate (national)
6.00%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools
4
Elementary schools
2
Middle schools
1
High schools
1
School districts serving the area
Empire Union Elementary, Modesto City High
Schools include
Alice N. Stroud Elementary, Bernard L. Hughes Elementary, Norman N. Glick Middle, Peter Johansen High

Source: NCES school directory, 2022-23 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Relatively High
Top hazards (county)
drought, earthquake, inlandFlooding, lightning, heatWave
Notable hazard ratings (county)
drought: Very High · earthquake: Relatively High · hail: Relatively Low · heatWave: Relatively Moderate · inlandFlooding: Relatively High · landslide: Relatively Low
FEMA flood zone
X
Flood risk level
Minimal
Wildfire risk to homes (county)
Higher than 92% of US counties
Buildings in wildfire direct-exposure zone
20.0%
Radon potential (county)
Low radon potential — EPA Zone 3 of 3
EPA Superfund (NPL) sites within 5 mi
1
Nearest Superfund site
Riverbank Army Ammunition Plant (3.5 mi)
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Average annual temperature
79.0°F
Average high
80.0°F
Average low
78.0°F
Annual precipitation
48.3 in
USDA plant hardiness zone
9b (extreme annual low 25 to 30°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Air quality

Air quality rating
Moderate
Median AQI (annual)
54
Days with Good air quality
166
Days with Moderate air quality
176
Highest AQI recorded (year)
150

Source: EPA air quality data (nearest monitoring station, annual)

Walkability & transit

Walkability index
12.7 / 20
Transit service frequency
0
Jobs reachable by car (30 min)
39,726
Jobs reachable by transit (45 min)
46,701

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

Airports within 30 mi
26
Nearest airport
Modesto City Co-Harry Sham Field (MOD) (5 mi)
Nearest major airport
Modesto City Co-Harry Sham Field (MOD) (5 mi)
Hospitals nearby (~15 mi)
339
Hospitals include
ST VINCENT'S BIRMINGHAM, MOBILE INFIRMARY MEDICAL CENTER, MEDICAL WEST, AN AFFILIATE OF UAB HEALTH SYSTEM
Avg hospital rating (CMS)
3.0 / 5
Best hospital rating nearby (CMS)
5.0 / 5
EV charging stations (within 10 mi)
105
Solar radiation rating
Good (5.2 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)

Migration

Net migration (county)
-1,515 tax filers

Source: IRS county-to-county migration data (county-level, ~12-month lag)

Housing stock

Median year housing built
1,991
Housing built before 1970
16.9%
Housing built 2000 or later
15.6%
Median annual property tax
$3,521
Mean commute to work
26 min
Households with broadband internet
73.9%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
166,416
Average weekly wage
$1,135
Top industries (by employment)
Health Care, Accommodation & Food, Agriculture
Annual residential building permits (county)
778

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 95357State medianUS median
Median home value$508,470$702,573$289,727
Median sale price$500,000$696,000$325,000
Median days on market27 days39 days51 days
Median annual property tax$3,521$4,533$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the median home value in ZIP 95357?
$508,470.
What is the median sale price in ZIP 95357?
$500,000.
How long do homes take to sell in ZIP 95357?
Median days on market: 27 days.
What is typical rent in ZIP 95357?
2-bedroom fair-market rent: $2,330/month (HUD FMR — a 40th-percentile regulatory reference, not market-observed).
What is the natural-hazard risk in ZIP 95357?
Overall risk: Relatively High (FEMA NRI, county-level). Top hazards: drought, earthquake, inlandFlooding, lightning, heatWave.
Is ZIP 95357 in a flood zone?
Minimal (FEMA NFIP). FEMA flood zone X.
What is the wildfire risk in ZIP 95357?
Risk to homes is higher than 92% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 95357?
Low radon potential — EPA Zone 3 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 95357?
1 current or proposed National Priorities List site within 5 miles (EPA). Nearest site: Riverbank Army Ammunition Plant, 3.5 mi.
How many schools serve ZIP 95357?
4 schools (2 elementary, 1 middle, 1 high) (NCES, 2022-23).
Is ZIP 95357 walkable?
Walkability index: 12.7/20 (EPA Smart Location Database).
What is the air quality in ZIP 95357?
Moderate. Median AQI: 54. (EPA AQI).
What is the cost of living in ZIP 95357?
Regional Price Parity: 113.3 (100 = US average) (High) (BEA RPP, metro/state-level).

Nearby ZIP codes

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Data last updated

Most recent source refresh: Sep 2026. See all data sources →

Data compiled by REAIGENT7 — AI listing platform for real estate agents