The median home in Modesto, California is valued at $436,088, down 1.2% year over year. Typical monthly rent is $2,057, producing a price-to-rent ratio of 17.7x — near the national average of 18x. Modesto is part of the Modesto, CA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$436,088

-1.2%

Rent$2,057/mo

Prices falling — better for buyers.

Affordability

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Income (annual)

Down Payment

$87,218 on $436,088

Example: $75,000 household income. Change it above to see your own.

Out of reach41.8% of income

Need $111,986/yr to afford.

PITI$2,613

P/I41.8%

Afford$292K

Gap-$144K

P&I $2,205Tax $258Ins $150

Renting $556/mo cheaper ($2,057 rent)6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in California

Compare Modesto with other housing markets across California.

Atherton$7.52M Los Altos Hills$5.8M Montecito$5.25M Hidden Hills$4.99M Hillsborough$4.95M Los Altos$4.45M Belvedere$4.42M Rancho Santa Fe$4.19M

Full Modesto, CA analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Modesto, CA metro.

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