Compare Modesto, CA mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Modesto.
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August 12, 2025
Below we provide helpful information on the real estate market, home prices and housing affordability in Modesto. Understand how much you need to earn to afford a home in Modesto, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Modesto fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Modesto is right for you.
The median home value for Modesto, CA (Stanislaus County) is $423,415
Based on current mortgage rates and a 10% down payment, you need to make $88,331 per year to buy the median priced home in Modesto
With this income, you could qualify for a $381,074 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Modesto is $2,046
The median household income for Modesto, CA (Stanislaus County) is $75,062
Based on this income, you can afford a home valued at approximately $359,810
The home price you can afford to buy based on household income in Modesto is 85% of the median home value which means housing prices are expensive. Modesto (Stanislaus County) ranks 19 out of 58 counties in California and 2,956 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Modesto, CA is expensive
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Modesto (Stanislaus County) below.
Conforming loan limits for Modesto, CA
FHA loan limits for Modesto, CA