How much is a home worth in ZIP code 95351?

The typical home in 95351 is worth $381,131, based on the Zillow Home Value Index.

Are home values rising in 95351?

Home values in 95351 are down 0.1% over the past year, and up 4.0% a year over five years.

What is the typical rent in 95351?

A typical home in 95351 rents for about $1,703 a month, a gross rental yield of 5.4%.

What is the property tax rate in 95351?

The effective property tax rate in 95351 is 0.6% — roughly $2,257 a year on a typical home.

ZIP code 95351 has a population of 48,498 and a median household income of $58,275.

HousingHandbookReference data

…

U.S. ZIP Code · CA95351

Stanislaus County · Modesto, CA

Typical home value

$381,131^[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year: -0.1%
5-year / yr: +4.0%
10-year / yr: +8.1%

Relative price

vs U.S.: +34.2%
vs metro: -22.5%
vs state: -45.6%

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 95351 is worth $381,131 — 22.5% below the Modesto, CA median. Over the past year, values have fallen 0.1%. Homes here rent for a typical $1,703 a month — a 5.4% gross rental yield. The effective property tax rate is 0.6%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent: $1,703^[2]
Gross yield: 5.4%^[2]
Cap rate: 3.2%^[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate: 0.6%^[3]
Typical annual tax: $2,257^[3]

#Climate risk

FEMA National Risk Index ratings for Stanislaus County. "Not Applicable" means the hazard does not threaten the county.

Overall risk: Relatively High^[4]
Riverine flood: Relatively High
Coastal flood: Not Applicable
Wildfire: Relatively Moderate
Drought: Very High
Heat wave: Relatively Moderate
Hurricane: Not Applicable
Tornado: Relatively Low
Earthquake: Relatively High
Winter weather: Relatively Low

#Who lives here

Population: 48,498^[3]
Median household income: $58,275^[3]

#Migration

Household moves in and out of Stanislaus County over a year, from IRS tax-return data.

Net migration: -988^[5]
Moved in: 8,869
Moved out: 9,857

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools: 15
Elementary: 11
Middle: 1
High: 2

Modesto High
High · Grades 9–12 · Modesto City High
2,405 students
Franklin Elementary
Elementary · Grades K–6 · Modesto City Elementary
782 students
Mark Twain Junior High
Middle · Grades 7–8 · Modesto City Elementary
681 students
Virginia Parks Elementary
Elementary · Grades K–6 · Ceres Unified
628 students
Aspire Vanguard College Preparatory Academy
High · Grades 6–12 · Aspire Vanguard College Preparatory Academy District
621 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Home value$Monthly rent$

Gross yield5.4%

Net yield (after ~40% expenses)3.2%

Annual rent$20,433

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Home price$Down payment%Interest rate%Loan termyears

Monthly payment$1,927

Loan principal$304,905

Down payment$76,226

Total interest paid$388,889

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Home price$Monthly rent$Down payment%Mortgage rate%Property tax rate% / yrMaintenance% / yrRule of thumb: 1% of home value per year.

Own : rent ratio1.43

Monthly cost to own$2,432

Monthly rent$1,703

Renting is meaningfully cheaper month-to-month.

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation: 100th percentile^[1]
Rental yield: 67th percentile^[2]
Property tax: 18th percentile^[3]

Frequently asked

How much is a home worth in ZIP code 95351?: The typical home in 95351 is worth $381,131, based on the Zillow Home Value Index.
Are home values rising in 95351?: Home values in 95351 are down 0.1% over the past year, and up 4.0% a year over five years.
What is the typical rent in 95351?: A typical home in 95351 rents for about $1,703 a month, a gross rental yield of 5.4%.
What is the property tax rate in 95351?: The effective property tax rate in 95351 is 0.6% — roughly $2,257 a year on a typical home.
Who lives in 95351?: ZIP code 95351 has a population of 48,498 and a median household income of $58,275.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

95354 vs 95351 →
Modesto, CA
Typical home
$400,198
Gross yield
5.3%
95319 vs 95351 →
Empire CDP, CA
Typical home
$358,432
Gross yield
—
95350
Modesto, CA
Typical home
$429,525
Gross yield
5.4%
95386
Waterford, CA
Typical home
$431,934
Gross yield
—
95328
Keyes CDP, CA
Typical home
$432,367
Gross yield
—
95358
Modesto, CA
Typical home
$435,492
Gross yield
—

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#Jump to section

U.S. ZIP Code · CA95351

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