Safe Rate Local
Learn about the people, housing, costs and businesses in Modesto
Real local data across mortgage, insurance, natural hazard, and place.
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Modesto.
True all-in cost — P&I, taxes, insurance & utilities for homes in Modesto.
Find and compare lenders active near Modesto.
FEMA flood zones and flood insurance estimates for Modesto.
Seismic risk and earthquake insurance estimates for Modesto.
Wildfire exposure and insurance estimates for Modesto.
Mortgage rates for Modesto are updated daily on Safe Rate using live investor pricing. Rates depend on your credit score, loan type (Conventional, FHA, VA, Jumbo), and down payment. A 30-year fixed rate is the most common product for home purchases.
View current rates for ModestoThe median home value in Modesto is $454k. The median monthly rent is $1,679. Annual property taxes average $3k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Modesto have increased 6.7% over the past two years. This represents moderate growth. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,674/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $72k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Modesto is $85k/year.
Calculate your buying powerThe largest employment sectors in Modesto are public administration (22%) and retail (12%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.