ZIP Code 95357 — Modesto, California

The median home in 95357 is valued at $392,700 against a median household income of $92,372, a price-to-income ratio of 4.3. That is below the 6.7 median across the 1,558 California ZIP codes with published housing data, and 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, 95357 ranks 1 of 23 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.2. Renting takes 26.0% of median household income (median rent $2,004 a month), under the 30% cost-burden threshold.

95357 ranks 691 of 1,558 statewide on median household income and 1,114 of 1,558 on median home value; its income is above the $80,266 Stanislaus County median. 72% of households own their home, above the 64% statewide ZIP median, making this a majority-owner ZIP. 18% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 12.1%, above the 10.8% statewide ZIP median. Unemployment stands at 6.6%.

With 366 residents per square mile across 39.3 square miles of land, 95357 is far less dense than the statewide ZIP median of 1,120 (rank 953 of 1,558). This is a low-density pattern of large lots, small towns or scattered subdivisions.