Modesto presents a mixed affordability picture based on its 2024 ACS figures. With a median household income of $79,891 set against a median gross rent of $1,690 per month and a median owner-occupied home value of $442,700, housing costs claim a substantial share of earnings. When factoring in the model-assumed non-housing baseline of $1,250 per month, household budgets may experience varying degrees of pressure depending on exact expenses. Because these are citywide aggregates, they do not guarantee affordability across specific neighborhoods or individual financial situations.
Modesto at a glance
What the default budget models
A one-person renting household begins with a modeled annual core-cost baseline of $35,280. It combines the ACS median gross-rent estimate with a uniform $1,250 monthly non-housing baseline. State income tax is excluded until a current official reference is approved; the calculator labels that limitation instead of guessing.
| 2024 ACS population estimate | 219,215 |
| 2024 ACS median household income | $79,891 |
| 2024 ACS median gross rent | $1,690 |
| 2024 ACS median owner-occupied home value | $442,700 |
| Derived one-way commute estimate | 31 minutes |
| State-tax treatment | Excluded — official reference pending |
| Rent-to-income reference | 25% |
The trade-off
Relative strength: A median owner-occupied home value of $442,700.. Watch closely: a 31-minute derived one-way commute..
Compare Modesto
Frequently asked questions
What is the median household income in Modesto?
According to the 2024 ACS 5-year estimates, the median household income in Modesto is $79,891. This citywide figure serves as a general economic benchmark, though it does not reflect income variations across different neighborhoods.
What are the typical housing costs in Modesto?
The 2024 ACS 5-year estimates report a median gross rent of $1,690 per month and a median owner-occupied home value of $442,700. These citywide figures do not represent live asking rents or specific neighborhood property values.
Source ledger
Every production input below is retained with its publisher and dataset. The ACS figures are five-year estimates, not live listings or guarantees.
- PopulationU.S. Census Bureau · 2024 ACS 5-Year B01003
- Median household incomeU.S. Census Bureau · 2024 ACS 5-Year B19013
- Median gross rentU.S. Census Bureau · 2024 ACS 5-Year B25064
- Median owner-occupied home valueU.S. Census Bureau · 2024 ACS 5-Year B25077
- Commute-time distributionU.S. Census Bureau · 2024 ACS 5-Year B08303
Interpretation: The ACS 2024 five-year estimates generally summarize observations across 2020–2024. The commute number is a weighted midpoint estimate from table B08303. State income tax is not included in the modeled take-home result. Verify a current address, quote, commute, and tax situation before making a decision.