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Example household · $83,730 · same pay · 1 adult

Modesto

Housing in Modesto, CA: Rent, Home Prices & Property Tax

$1,624 left/mo

$1,463/mo (1 bd) in Modesto. Median home $426,600. Property tax 0.71%.

Pick a home cityHow we figure this
Rent (1-bedroom)
$1,463
/mo
Buy
$2,969
Mortgage, tax, insurance
Buying costs more
$1,506
/mo

To buy

  • 20% down payment$85,320
  • Mortgage at 7.24%$2,326
  • Property tax (0.71% of value)$252/mo · $3,029/yr
  • Insurance and upkeep$391
  • Monthly total$2,969

Months to 20% down

$1,624 left each month. About 53 months (4.4 years) to save $85,320.

Rent is Zillow asking rent. The price is the Census median home value. The mortgage is a 30-year fixed at 7.24%, the Freddie Mac PMMS average for the week of Oct 29, 2026, with 20% down.

Guide: state tax and rent when you compare cities

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