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.

See the full metro analysis: Modesto, CA stress score, crash risk, and 12-month forecast →

Home Value$418,417

+0.5%

AFFORDABILITY

Enter your income for Waterford.

Income (annual)

Down Payment

$83,683 on $418,417

Out of reach — 40.2% 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$7517K Los Altos Hills$5802K Montecito$5251K Hidden Hills$4992K Hillsborough$4946K Los Altos$4448K Belvedere$4421K Rancho Santa Fe$4186K

Full Modesto, CA analysis

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

View Modesto, CA metro →

WATERFORD, CA