Median home value in zip code 95386 (Waterford, CA) is $424,509, up 0.6% year over year. Part of the Modesto, CA metropolitan area.

Home Value$424,509

YoY Change

+0.6%

Prices rising — worse for buyers.

Affordability

Enter your income for 95386 (Waterford).

Income (annual)

Down Payment

$84,902 on $424,509

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

Out of reach40.8% of income

Need $109,200/yr to afford.

PITI$2,548

P/I40.8%

Afford$292K

Gap-$133K

P&I $2,147Tax $251Ins $150

6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.

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

Metro Analysis

95386 is part of the Modesto, CA metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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