Modesto, CA home prices
Typical home $461,114 · +0.2% in a year · income needed $128,000
The Modesto, CA metro area ranks 97 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +0.2% in a year and +10.6% over five years. With 20% down at 7.11%, the typical home costs about $2,987 a month including 0.71% property tax (Stanislaus County rate).
Mortgage on the typical Modesto home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $92,223 | $368,891 | $2,482 | $0 | $505 | $2,987 | $128,000 |
| 10% down | $46,111 | $415,003 | $2,792 | $173 | $505 | $3,470 | $148,700 |
| 5% down | $23,056 | $438,058 | $2,947 | $183 | $505 | $3,634 | $155,800 |
| 3.5% down (FHA) | $16,139 | $452,762 | $3,046 | $204 | $505 | $3,755 | $160,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.71% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Counties in the Modesto area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Stanislaus County, CA | $461,114 | +0.2% | 0.71% |
What can you afford in California on your salary? · California home prices · Salaries in California
Frequently asked questions
How much is a house in Modesto?
The typical home in the Modesto, CA metro area is worth $461,114 (Zillow, September 2026).
What salary do you need to buy a house in Modesto?
About $128,000 a year for the typical home with 20% down at 7.11%.