The median home in Oakdale, California is valued at $544,728, up 0.9% year over year. Typical monthly rent is $2,577, producing a price-to-rent ratio of 17.6x — near the national average of 18x. Oakdale is part of the Modesto, CA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$544,728

+0.9%

Rent$2,577/mo

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$108,946 on $544,728

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

Out of reach51.6% of income

Need $138,300/yr to afford.

PITI$3,227

P/I51.6%

Afford$295K

Gap-$249K

P&I $2,754Tax $322Ins $150

Renting $650/mo cheaper ($2,577 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 Oakdale 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

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Oakdale, CA