ZIP Code 95355 — Modesto, CA Home Prices (2026)

The typical home in ZIP 95355 (Modesto, California) is worth about $492,000 at roughly $282 per square foot — 13% more expensive than the Modesto median and 67% more expensive than the typical U.S. home.

$492,000

Typical home value

$282

Price per sq ft

#3 of 7

Modesto ZIPs by value

+13%

vs Modesto median

How 95355 compares

ZIP 95355 is one of the pricier ZIP codes in Modesto: its typical home value of $492,000 ranks #3 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 $282, against $309 for Modesto as a whole, $455 for California, and $195 nationally.

Area	Typical value	$ / sq ft
ZIP 95355	$492,000	$282
Modesto, CA	$434,000	$309
California	$698,000	$455
United States	$294,000	$195

Home value by size in 95355

Using this ZIP’s rate of about $282 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	$282,000
1,500 sq ft	$423,000
2,000 sq ft	$564,000
2,500 sq ft	$705,000
3,000 sq ft	$846,000

Salary needed to buy a home in ZIP 95355

To buy the typical $492,000 home in ZIP 95355 with 20% down, you need a household income of roughly $134,000 a year (about $3,120 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $159,000, because the loan is bigger and mortgage insurance kicks in.

Down payment	Cash down	Monthly payment	Income needed
5% (+PMI)	$24,600	$3,880/mo	$166,000/yr
10% (+PMI)	$49,200	$3,710/mo	$159,000/yr
20%	$98,400	$3,120/mo	$134,000/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 95355

At about $282 per square foot, here is roughly how much home different budgets get you in ZIP 95355:

Budget	Approx. size	What that looks like locally
$250k	890 sq ft	below the local median — condos, smaller or older homes
$300k	1060 sq ft	below the local median — condos, smaller or older homes
$400k	1420 sq ft	around the typical home here
$500k	1770 sq ft	around the typical home here
$600k	2130 sq ft	around the typical home here

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 95355 home.

Estimate a specific home in 95355

The estimator below is pre-set to ZIP 95355 — 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 95355 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 (this page)	$492,000	$282
4	95358	$434,000	$336
5	95350	$429,000	$317
6	95354	$400,000	$309
7	95351	$381,000	$319

ZIP 95355 home prices: frequently asked

What is the average home price in ZIP code 95355? +

The typical home in ZIP 95355 (Modesto, CA) is worth about $492,000 as of 2026. That is 13% more expensive than the Modesto median of $434,000 and 67% more expensive than the U.S. median of $294,000.

What is the price per square foot in 95355? +

About $282 per square foot in 95355, versus $309 across Modesto and $455 across California. At that rate a 1,500 sq ft home runs roughly $423,000 and a 2,500 sq ft home about $705,000.

What salary do you need to buy a house in ZIP 95355? +

For the typical $492,000 home in ZIP 95355, a household income of about $134,000 a year covers the payment with 20% down (a 30-year fixed at 6.5%, plus taxes and insurance, under the 28% rule). With 10% down you need roughly $159,000; with 5% down about $166,000.

Is 95355 an expensive ZIP code? +

Within Modesto, 95355 ranks #3 of 7 ZIP codes by typical home value, which makes it one of the pricier ZIP codes in Modesto. Nationally it is relatively expensive.

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.