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.
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Home Value$436,088
-1.2%
Rent$2,057/mo
AFFORDABILITYRenting $556/mo cheaper ($2,057 rent)6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.
Enter your income for Modesto.
$87,218 on $436,088
Out of reach — 41.8% of income
Need $111,986/yr to afford.
PITI$2,613
P/I41.8%
Afford$292K
Gap-$144K
P&I $2,205Tax $258Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
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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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