ZIP Code 95354 — Modesto, California

The median home in 95354 is valued at $328,700 against a median household income of $63,064, a price-to-income ratio of 5.2. That is below the 6.7 median across the 1,558 California ZIP codes with published housing data, and well past the 3.0 ratio that marks an attainable market nationally, though it is among the more attainable ratios in the state. Within Stanislaus County, 95354 ranks 13 of 23 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.2. Renting takes 25.7% of median household income (median rent $1,348 a month), under the 30% cost-burden threshold.

95354 ranks 1,201 of 1,558 statewide on median household income and 1,267 of 1,558 on median home value; its income is below the $80,266 Stanislaus County median. 48% of households own their home, below the 64% statewide ZIP median, so most residents rent. 16% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 15.8%, above the 10.8% statewide ZIP median. Unemployment stands at 8.1%.

With 3,260 residents per square mile across 7.7 square miles of land, 95354 is far denser than the statewide ZIP median of 1,120 (rank 576 of 1,558). This is predominantly single-family residential with suburban street patterns.