Market Overview
Home Prices in Waterford, CA
The median home value in Waterford, CA is $432,324 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0.4% compared to a year ago and up 1.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Waterford are priced5% above average. Waterford is part of the Modesto, CA metro area.
Over the past five years, Waterford home values have risen by approximately15.3%, reflecting steady appreciation in this market.
Price History
Waterford Home Price Trend
City Comparison
Waterford vs. National Median
At $432,324, homes in Waterford cost 5% above the national median of $410,000. Buyers in Waterford should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Waterford?
20% Down Payment
$86,465
on $432,324
Monthly P&I
$2,255/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,864/mo
incl. taxes & insurance
Income Needed
$114,560
gross annual (30% rule)
10% Down Option
$43,232
+ PMI applies
Loan Amount (20% dn)
$345,859
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 Waterford, CA?
The median home value in Waterford is $432,324 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0.4% year-over-year.
How much have home prices changed in Waterford?
Over the past year, home values in Waterford have increased by 0.4%. Over five years, prices have risen approximately 15.3%.
How much do I need to earn to buy a home in Waterford?
To comfortably afford the median home price of $432,324 with a 20% down payment ($86,465) at today's rates (6.8%), you'd need a gross annual income of approximately $114,560. This assumes keeping total housing costs at or below 30% of gross income.
How does Waterford compare to the national average home price?
The national median home value is approximately $410,000. At $432,324, homes in Waterford are 5% above the national average.
What metro area is Waterford part of?
Waterford is part of the Modesto, CA metropolitan area. Home prices and market conditions can vary across the broader metro region.