The median home in Waterford, California is valued at $418,417, up 0.5% year over year. Waterford is part of the Modesto, CA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$418,417

+0.5%

Prices rising — worse for buyers.

Affordability

Enter your income for Waterford.

Income (annual)

Down Payment

$83,683 on $418,417

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

Out of reach40.2% of income

Need $107,700/yr to afford.

PITI$2,513

P/I40.2%

Afford$291K

Gap-$127K

P&I $2,116Tax $248Ins $150

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 Waterford 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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Waterford, CA