ZIP Code · CA

ZIP 95356

Part of Modesto, CA

Pop. 33,233·Stanislaus County·791st most expensive ZIP in California

Median rent (all units)

$2,070/mo

Year-over-Year

+2.0%

Month-over-Month

+0.3%

vs US Median

+$138

Reported rents

Stable (Monthly)

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Most AffordableMost Expensive

ZIP 95356 · $2,070

More expensive than 65% of US ZIP codes · National median $1,932/mo

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Is your rent fair?

Compare your rent to the local median.

Medians by bedroom

Rent by unit size

Studio

$1,420

1 BR

$1,530

2 BR

$1,990

3 BR

$2,760

4 BR+

$3,200

Research median

$1,990/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 95356 is at its highest level since Zillow's records here began in July 2022.

Past year vs. the rest of California

Rent in ZIP 95356 changed +2.0% over the year to September 2026. Across the 819 California ZIP codes Zillow tracks, the typical change was +3.2%.

Recent direction

Rent rose in 7 of the last 12 months.

What a typical income covers

30% of the median household income ($96,886) is $2,422 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($1,990); a 3-bedroom is $2,760.

Rank in Modesto

4th cheapest of 5 ZIP codes in Modesto.

Cheaper nearby

ZIP 95354, 7 miles away, rents for 16% less ($1,736/mo), about $4,000 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 95356. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$24,840/yr

At $2,070/mo median

Location

CityModesto

StateCA

CountyStanislaus County

Rent Market Meter

Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are climbing (2.0% YoY), so leverage tilts toward landlords. Act sooner rather than later.

Based on rent-price momentum (+2.0% YoY, +0.3% MoM), not inventory.

Demographics

Who lives here

ZIP 95356 (Modesto, CA) is majority owner-occupied, has a median income above the national average, 31.7% of residents hold a bachelor's degree or higher.

Population

33,233

Median income

$96,886

Median age

37.6

Renters

32.4%

Age distribution

25%

21.3%

25.2%

17%

Under 1825%

18–3421.3%

35–5425.2%

55–6411.6%

65+17%

Gender

47.9%

52.1%

Male47.9%

Female52.1%

Race & ethnicity

51.3%

33.9%

White51.3%

Black3.4%

Hispanic33.9%

Asian10.3%

Other1.2%

Education (25+)

23.6%

34.1%

31.7%

No HS diploma10.6%

HS diploma23.6%

Some college34.1%

Bachelor's+31.7%

Housing tenure

67.6%

32.4%

Owner67.6%

Renter32.4%

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

2023 vs 2026

How ZIP 95356 in Modesto, CA has changed in 5 years

Rent

$1,851 → $2,070

up 11.8%

Income

$81,825 → $96,886

up 18.4%

Population

33,055 → 33,233

up 0.5%

Renter share

34.2% → 32.4%

-1.8 pts

Bachelor's+

27.6% → 31.7%

+4.1 pts

Median age

38.1 → 37.6

-0.5 yrs

Across the past five years, the going rent in ZIP 95356 in Modesto, CA has shifted from $1,851 to $2,070, up 11.8% since 2023. Census figures show median household income at $96,886 today, compared with $81,825 five years earlier. With wages climbing faster than rent over the same window, renters here have a bit more breathing room than they did five years back. The renter share has eased from 34.2% to 32.4%, with owner-occupied housing accounting for the remainder. Bachelor's-degree-or-higher attainment moved from 27.6% to 31.7% across the same window. The combined trend lines point to a market that has changed measurably from where it stood in early 2023.

Community

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Local insights

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About renting in ZIP 95356

Last updated: October 17, 2026

ZIP code 95356 covers Modesto, CA. The median rent here is $2,070/mo as of October 2026. A 1-bedroom rents for a median of $1,530/mo. A 2-bedroom rents for a median of $1,990/mo.

At 26% of local median household income ($96,886/yr), ZIP 95356 ranks as affordable compared to the national benchmark of 30%. Rents have increased 2.0% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 95356?

To keep rent at or below 30% of gross income, you would need to earn at least $83,000/year (about $40/hour full-time) to afford the median rent of $2,070/mo in ZIP 95356. The local median household income is $96,886/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 95356?

Rent in ZIP 95356 has risen 2.0% over the past year as of September 2026. That is the highest level since Zillow's records here began in July 2022.

How does ZIP 95356 compare to other ZIPs in California?

ZIP 95356 is one of the more affordable among California ZIP codes for rent, ranking #791 of 898 at $2,070/mo. Over the year to September 2026, rent in ZIP 95356 changed +2.0%, against a typical +3.2% across the 819 California ZIP codes Zillow tracks.