ZIP Code · CA

ZIP 95354

Part of Modesto, CA

Pop. 25,684·Stanislaus County·853rd most expensive ZIP in California

Median rent (all units)

$1,736/mo

Year-over-Year

+5.9%

Month-over-Month

+0.9%

vs US Median

-$196

Reported rents

Rising (Monthly)

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Most AffordableMost Expensive

ZIP 95354 · $1,736

More affordable than 55% of US ZIP codes · National median $1,932/mo

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Compare your rent to the local median.

Medians by bedroom

Rent by unit size

Studio

$1,260

1 BR

$1,360

2 BR

$1,770

3 BR

$2,460

4 BR+

$2,840

Research median

$1,770/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Compared with the peak

Rent in ZIP 95354 is at its highest level since Zillow's records here began in April 2022.

Past year vs. the rest of California

Rent in ZIP 95354 changed +5.9% over the year to September 2026. Across the 819 California ZIP codes Zillow tracks, the typical change was +3.2%.

Recent direction

Rent has risen 2 months in a row, and rose in 9 of the last 12 months.

What a typical income covers

30% of the median household income ($72,879) is $1,822 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($1,770); a 3-bedroom is $2,460.

Rank in Modesto

2nd cheapest of 5 ZIP codes in Modesto.

From Zillow's monthly rent index (ZORI) for ZIP 95354. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$20,832/yr

At $1,736/mo median

Location

CityModesto

StateCA

CountyStanislaus County

Rent Market Meter

Strong Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are up 5.9% year-over-year. Expect competition, and move quickly to lock in terms.

Based on rent-price momentum (+5.9% YoY, +0.9% MoM), not inventory.

Demographics

Who lives here

ZIP 95354 (Modesto, CA) is roughly split between renters and owners, has a large share of families with children, 18.2% of residents hold a bachelor's degree or higher.

Population

25,684

Median income

$72,879

Median age

36.1

Renters

49.6%

Age distribution

26.7%

21.9%

27.4%

13.4%

Under 1826.7%

18–3421.9%

35–5427.4%

55–6410.6%

65+13.4%

Gender

50.1%

49.9%

Male50.1%

Female49.9%

Race & ethnicity

36.8%

51.1%

White36.8%

Black4.7%

Hispanic51.1%

Asian7.5%

Education (25+)

20.4%

33.4%

27.9%

18.2%

No HS diploma20.4%

HS diploma33.4%

Some college27.9%

Bachelor's+18.2%

Housing tenure

50.4%

49.6%

Owner50.4%

Renter49.6%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2022 vs 2026

How ZIP 95354 in Modesto, CA has changed in 5 years

Rent

$1,531 → $1,736

up 13.4%

Income

$54,808 → $72,879

up 33.0%

Population

25,165 → 25,684

up 2.1%

Renter share

53.3% → 49.6%

-3.7 pts

Bachelor's+

16.2% → 18.2%

+2.0 pts

Median age

34.6 → 36.1

+1.5 yrs

Across the past five years, the going rent in ZIP 95354 in Modesto, CA has shifted from $1,531 to $1,736, up 13.4% since 2022. Local incomes tracked alongside that move, going from a median of $54,808 in 2021 to $72,879 more recently. With wages climbing faster than rent over the same window, renters here have a bit more breathing room than they did five years back. Census counts show ZIP 95354 in Modesto, CA adding about 519 residents over the five-year window, up 2.1% on net. The renter share has eased from 53.3% to 49.6%, with owner-occupied housing accounting for the remainder. Bachelor's-degree-or-higher attainment moved from 16.2% to 18.2% across the same window. These shifts give renters and would-be renters a longer baseline for sizing up today's listings against the ZIP 95354 in Modesto, CA market of 2022.

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About renting in ZIP 95354

Last updated: October 17, 2026

ZIP code 95354 covers Modesto, CA. The median rent here is $1,736/mo as of October 2026. A 1-bedroom rents for a median of $1,360/mo. A 2-bedroom rents for a median of $1,770/mo.

At 29% of local median household income ($72,879/yr), ZIP 95354 ranks as affordable compared to the national benchmark of 30%. Rents have increased 5.9% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 95354?

To keep rent at or below 30% of gross income, you would need to earn at least $69,000/year (about $33/hour full-time) to afford the median rent of $1,736/mo in ZIP 95354. The local median household income is $72,879/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 95354?

Rent in ZIP 95354 has risen 5.9% over the past year as of September 2026. That is the highest level since Zillow's records here began in April 2022.

How does ZIP 95354 compare to other ZIPs in California?

ZIP 95354 is one of the more affordable among California ZIP codes for rent, ranking #853 of 898 at $1,736/mo. Over the year to September 2026, rent in ZIP 95354 changed +5.9%, against a typical +3.2% across the 819 California ZIP codes Zillow tracks.