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Home appreciation in Modesto, CA

Over the five years ending 2025, home prices in Modesto, CA grew an average of 7.1% a year.

Price growth at a glance

1-year

+1.5%

2025 over 2024. California: +1.9%.

5-year, per year

+7.1%

Average annual growth, 2020 to 2025. California: +7.2%.

10-year, per year

+7.1%

+99.0% in total since 2015. California: +6.3%.

How does your home compare?

Modesto, CA home prices rose 99.0% over the ten years to 2025, while its ZIP codes ranged from +77.9% to +130.3%. Look up your home to see where it ranks among the homes around it.

Your first analysis is free.

A model-generated estimate and analytical context, not investment advice. Investing? Score any property free

How Modesto, CA compares with California

The metro and its state moved almost together over that window. For five-year price growth, Modesto, CA ranks 341st out of 409 metros nationwide and 14th out of 28 in California.

Index, 2005 = 100

Modesto, CA and California, quarterly house price index rebased to 100 in 2005.
YearModesto, CACalifornia
2005 Q1100100
2005 Q2108106
2005 Q3115111
2005 Q4120116
2006 Q1122119
2006 Q2122120
2006 Q3119120
2006 Q4119119
2007 Q1115118
2007 Q2111116
2007 Q3105111
2007 Q496107
2008 Q187101
2008 Q27593
2008 Q36585
2008 Q46183
2009 Q16082
2009 Q25778
2009 Q35576
2009 Q45577
2010 Q15376
2010 Q25376
2010 Q35376
2010 Q45375
2011 Q15073
2011 Q24971
2011 Q34872
2011 Q44872
2012 Q14871
2012 Q24871
2012 Q35073
2012 Q45174
2013 Q15376
2013 Q25779
2013 Q36283
2013 Q46686
2014 Q16888
2014 Q27190
2014 Q37392
2014 Q47493
2015 Q17594
2015 Q27696
2015 Q37998
2015 Q480100
2016 Q181101
2016 Q283103
2016 Q386105
2016 Q487106
2017 Q188107
2017 Q290110
2017 Q392112
2017 Q494113
2018 Q196115
2018 Q298118
2018 Q3101119
2018 Q4101119
2019 Q1101120
2019 Q2103121
2019 Q3104122
2019 Q4105123
2020 Q1106124
2020 Q2108126
2020 Q3110127
2020 Q4114130
2021 Q1117133
2021 Q2125141
2021 Q3134149
2021 Q4138155
2022 Q1141161
2022 Q2149171
2022 Q3146170
2022 Q4142165
2023 Q1143164
2023 Q2145168
2023 Q3147170
2023 Q4147170
2024 Q1149173
2024 Q2151176
2024 Q3156177
2024 Q4153178
2025 Q1154178
2025 Q2153179
2025 Q3155179
2025 Q4154180
2026 Q1156181
2026 Q2157181

Chart through 2026 Q2. Annual growth figures through 2025.

Five-year and ten-year growth rates were similar, at +7.1% a year over ten years and +99.0% in total, suggesting a similar pattern over both periods.

Over this history, home prices peaked in 2006, fell 59.7% to its 2011 low, and regained the 2006 level in 2021.

The strongest year was 2014 at +20.6%, and the weakest was 2008 at -32.7%.

In 2025 alone the index moved +1.5%, against +1.9% for the state.

ZIP codes in Modesto, CA

Over the ten years to 2025, the 19 ZIP codes FHFA measures in this metro ranged from +77.9% in 95316 to +130.3% in 95328, while the metro as a whole rose 99.0%.

Fastest-rising ZIP codes

10-year change

  1. 95328+130.3%
  2. 95358+128.9%
  3. 95386+123.7%
  4. 95351+123.6%
  5. 95363+121.4%

Slowest-rising ZIP codes

10-year change

  1. 95316+77.9%
  2. 95382+82.1%
  3. 95356+83.6%
  4. 95361+86.4%
  5. 95355+88.2%
ZIP codes in Modesto, CA ranked by 10-year home-price change through 2025 Column headers are buttons: click to sort, click again to reverse, and a third time to restore the original order.
95328+3.8%+7.6%+8.7%+130.3%
95358+3.9%+8.8%+8.6%+128.9%
95386+9.1%+7.6%+8.4%+123.7%
95351-1.9%+6.8%+8.4%+123.6%
95363+12.6%+8.8%+8.3%+121.4%
95360+2.6%+7.5%+8.1%+117.7%
95354+0.5%+7.4%+7.9%+114.3%
95307+4.2%+7.7%+7.6%+108.0%
95350+2.7%+7.1%+7.5%+105.6%
95380+3.4%+7.1%+7.2%+100.2%
95367+3.0%+7.6%+7.2%+99.9%
95357-1.1%+7.2%+7.1%+98.5%
95368-5.1%+6.2%+6.7%+91.1%
95326-1.7%+6.8%+6.5%+88.3%
95355-1.7%+6.5%+6.5%+88.2%
95361+3.6%+6.9%+6.4%+86.4%
95356+0.3%+6.4%+6.3%+83.6%
95382+1.9%+6.8%+6.2%+82.1%
95316-8.2%+5.6%+5.9%+77.9%

What a home report shows

Enter an address and you get a score out of 10 for how the home ranks on appreciation potential against comparable homes in its market, with the nearby sales behind it. Here is one saved report.

Example report · saved October 14, 2026

165 N Canal St, Apt 1205, Chicago, IL 60606

Appreciation score

4.1 / 10

Around the median

Where it ranks

Ranks above about 41% of comparable homes in Chicago, IL for appreciation potential.

Price against nearby sales

Priced below most nearby sales, at $300 per square foot across 6 comparable sales.

Read the full example report

Year by year

Annual house price index for Modesto, CA and California, 2005 = 100 Column headers are buttons: click to sort, click again to reverse, and a third time to restore the original order.
2005100.0—100.0
2006109.0+9.0%110.2
200796.3-11.7%104.3
200864.8-32.7%83.4
200951.3-20.8%72.2
201047.8-6.9%70.0
201143.9-8.1%66.4
201244.5+1.4%66.5
201353.6+20.3%74.7
201464.6+20.6%83.6
201570.0+8.3%89.5
201676.1+8.7%95.9
201782.4+8.3%102.1
201889.4+8.5%108.8
201993.3+4.3%112.3
202098.8+5.9%117.1
2021116.2+17.5%133.5
2022130.4+12.3%153.8
2023131.4+0.7%155.3
2024137.3+4.5%162.4
2025139.3+1.5%165.5

The 28 measured metros in California

Measured metros in California ranked by 5-year home-price appreciation through 2025 Column headers are buttons: click to sort, click again to reverse, and a third time to restore the original order.
#
1El Centro, CA+7.7%+9.9%+7.8%
2Santa Maria-Santa Barbara, CA+2.9%+9.2%+6.5%
3San Diego-Chula Vista-Carlsbad, CA+1.9%+9.1%+7.3%
4Anaheim-Santa Ana-Irvine, CA (metropolitan division)+4.5%+9.0%+6.6%
5Riverside-San Bernardino-Ontario, CA+2.1%+9.0%+7.5%
6Visalia, CA+4.3%+9.0%+7.3%
7Bakersfield-Delano, CA+3.5%+8.8%+6.6%
8Hanford-Corcoran, CA+5.2%+8.6%+7.2%
9Fresno, CA+3.1%+8.4%+7.2%
10San Luis Obispo-Paso Robles, CA+3.1%+8.0%+6.3%
11Merced, CA+1.5%+7.9%+7.5%
12Los Angeles-Long Beach-Glendale, CA (metropolitan division)+2.8%+7.5%+6.6%
13Oxnard-Thousand Oaks-Ventura, CA+3.0%+7.5%+5.9%
14Modesto, CA+1.5%+7.1%+7.1%
15Stockton-Lodi, CA+0.6%+6.9%+6.9%
16Salinas, CA-0.2%+6.6%+6.4%
17Yuba City, CA+0.9%+6.5%+7.2%
18Sacramento-Roseville-Folsom, CA+1.3%+6.4%+6.4%
19San Jose-Sunnyvale-Santa Clara, CA+0.7%+6.1%+5.1%
20Redding, CA+0.8%+5.7%+5.4%
21Santa Cruz-Watsonville, CA+0.5%+5.4%+4.9%
22Vallejo, CA0.0%+5.3%+5.9%
23Napa, CA+1.0%+5.2%+5.2%
24Oakland-Fremont-Berkeley, CA (metropolitan division)-0.1%+4.7%+5.2%
25Chico, CA+2.1%+4.6%+6.0%
26Santa Rosa-Petaluma, CA+0.8%+4.6%+4.9%
27San Rafael, CA (metropolitan division)+0.8%+4.5%+3.6%
28San Francisco-San Mateo-Redwood City, CA (metropolitan division)+0.8%+3.5%+3.7%

Source & method: Metro figures: FHFA quarterly all-transactions index for metropolitan statistical areas and metropolitan divisions, annualized as the mean of the four quarterly (NSA) values. State figures: FHFA quarterly all-transactions index, annualized as the mean of the four quarterly (NSA) values. The chart uses quarterly readings, with each series set to 100 in the first quarter of 2005. ZIP figures: FHFA annual five-digit ZIP index (developmental), ZIPs with sufficient transaction history. Missing years are reported as missing by FHFA and are not estimated. Each ZIP is placed in the metro that holds the county with most of its housing units. “5-yr /yr” and “10-yr /yr” are compound annual growth over the window ending 2025; all figures are nominal. Data published by the FHFA House Price Index; this edition compiled 2026-10-17. Educational data, not investment advice.

See the California row in the state rankings, the county rankings, and, for why one metro number hides so much, why two homes in the same ZIP code appreciate differently.

How does your home compare?

See how your home ranks against nearby homes. Your first analysis is free.

Look up your home

Investing? Score any property free

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Measured FHFA data · chart through 2026 Q2