ZIP Code 95356 — Modesto, California

The median home in 95356 is valued at $459,200 against a median household income of $91,034, a price-to-income ratio of 5.0. 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, 95356 ranks 9 of 23 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.2. Renting takes 21.9% of median household income (median rent $1,659 a month), under the 30% cost-burden threshold.

95356 ranks 711 of 1,558 statewide on median household income and 1,007 of 1,558 on median home value; its income is above the $80,266 Stanislaus County median. 67% of households own their home, above the 64% statewide ZIP median, making this a majority-owner ZIP. 28% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 9.2%, below the 10.8% statewide ZIP median. Unemployment stands at 5.6%.

With 1,488 residents per square mile across 22.2 square miles of land, 95356 is denser than the statewide ZIP median of 1,120 (rank 739 of 1,558). This is a low-density pattern of large lots, small towns or scattered subdivisions.