ZIP Code 95358 — Modesto, California

The median home in 95358 is valued at $376,200 against a median household income of $70,740, a price-to-income ratio of 5.3. 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, 95358 ranks 15 of 23 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.2. Renting takes 25.5% of median household income (median rent $1,503 a month), under the 30% cost-burden threshold.

95358 ranks 1,063 of 1,558 statewide on median household income and 1,156 of 1,558 on median home value; its income is below the $80,266 Stanislaus County median. 61% of households own their home, in line with the 64% statewide ZIP median, making this a majority-owner ZIP. 13% of adults hold a bachelor's degree or higher, far below the 31% median, and the poverty rate is 14.0%, above the 10.8% statewide ZIP median. Unemployment stands at 10.1%.

With 269 residents per square mile across 116.3 square miles of land, 95358 is far less dense than the statewide ZIP median of 1,120 (rank 1,008 of 1,558). This is rural or open territory where most of the land is agricultural, forest, desert or public land.