ZIP Code 95351 — Modesto, CA Home Prices (2026)
The typical home in ZIP 95351 (Modesto, California) is worth about $381,000 at roughly $319 per square foot — 12% more affordable than the Modesto median and 30% more expensive than the typical U.S. home.
How 95351 compares
ZIP 95351 is one of the more affordable ZIP codes in Modesto: its typical home value of $381,000 ranks #7 of the 7 Modesto ZIP codes we track (the citywide range runs from $381,000 in 95351 to $524,000 in 95356). Per square foot it costs about $319, against $309 for Modesto as a whole, $455 for California, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 95351 | $381,000 | $319 |
| Modesto, CA | $434,000 | $309 |
| California | $698,000 | $455 |
| United States | $294,000 | $195 |
Home value by size in 95351
Using this ZIP’s rate of about $319 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $319,000 |
| 1,500 sq ft | $478,500 |
| 2,000 sq ft | $638,000 |
| 2,500 sq ft | $797,500 |
| 3,000 sq ft | $957,000 |
Salary needed to buy a home in ZIP 95351
To buy the typical $381,000 home in ZIP 95351 with 20% down, you need a household income of roughly $104,000 a year (about $2,420 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $123,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $19,100 | $3,010/mo | $129,000/yr |
| 10% (+PMI) | $38,100 | $2,870/mo | $123,000/yr |
| 20% | $76,200 | $2,420/mo | $104,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 95351
At about $319 per square foot, here is roughly how much home different budgets get you in ZIP 95351:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 630 sq ft | below the local median — condos, smaller or older homes |
| $250k | 780 sq ft | below the local median — condos, smaller or older homes |
| $300k | 940 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1250 sq ft | around the typical home here |
| $500k | 1570 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 95351 home.
Estimate a specific home in 95351
The estimator below is pre-set to ZIP 95351 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Modesto ZIP codes by home value
Where 95351 sits among Modesto’s 7 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 95356 | $524,000 | $299 |
| 2 | 95357 | $508,000 | $299 |
| 3 | 95355 | $492,000 | $282 |
| 4 | 95358 | $434,000 | $336 |
| 5 | 95350 | $429,000 | $317 |
| 6 | 95354 | $400,000 | $309 |
| 7 | 95351 (this page) | $381,000 | $319 |
ZIP 95351 home prices: frequently asked
What is the average home price in ZIP code 95351? +
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See the full Modesto home values page, all California cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.