Market Overview
Home Prices in Modesto, CA
The median home value in Modesto, CA is $449,607 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 0.7% compared to a year ago and up 0.4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Modesto are priced10% above average. Modesto is part of the Modesto, CA metro area.
Over the past five years, Modesto home values have risen by approximately14.4%, reflecting steady appreciation in this market.
Price History
Modesto Home Price Trend
City Comparison
Modesto vs. National Median
At $449,607, homes in Modesto cost 10% above the national median of $410,000. Buyers in Modesto should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Modesto?
20% Down Payment
$89,921
on $449,607
Monthly P&I
$2,345/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,978/mo
incl. taxes & insurance
Income Needed
$119,120
gross annual (30% rule)
10% Down Option
$44,961
+ PMI applies
Loan Amount (20% dn)
$359,686
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Modesto, CA?
The median home value in Modesto is $449,607 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 0.7% year-over-year.
How much have home prices changed in Modesto?
Over the past year, home values in Modesto have decreased by 0.7%. Over five years, prices have risen approximately 14.4%.
How much do I need to earn to buy a home in Modesto?
To comfortably afford the median home price of $449,607 with a 20% down payment ($89,921) at today's rates (6.8%), you'd need a gross annual income of approximately $119,120. This assumes keeping total housing costs at or below 30% of gross income.
How does Modesto compare to the national average home price?
The national median home value is approximately $410,000. At $449,607, homes in Modesto are 10% above the national average.
What metro area is Modesto part of?
Modesto is part of the Modesto, CA metropolitan area. Home prices and market conditions can vary across the broader metro region.