Modesto, CA · standard
ZIP Code 95356
Stanislaus County, California - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 30,918
- 525/sq mi High-density area
- $96,886
- Median income Above-median income area
- $532,600
- Median home value Above-median home value
- 31.7%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Modesto pairs an upper-quartile household income with upper-quartile home values, in a low-density, homeowner-dominated area.
- Top 21%
- household income, US ZIPs
- Top 12%
- home value, US ZIPs
- 525
- people per sq mi
- 68%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 95356 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 95356 (Modesto, CA) rose +3.9% from 2023 to 2024. The all-transactions index moved from 270.5 in 2023 to 280.9 in 2024 (2000 = 100).
ZIP code 95356 is a densely settled ZIP (a standard USPS delivery area) in Modesto, Stanislaus County, California, with 30,918 residents across 58.9 square miles, a density of 525 people per square mile, in the Los Angeles time zone.
ZIP 95356 lands in the middle-income range, with a median household income of $96,886 (5% below the average California ZIP), while per-capita income is $50,112. The poverty rate is 7.6%, with unemployment at 5.0%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $532,600 (31% below the average California ZIP), and median rent is $1,877; owner occupancy is 67.6%.
A solid share of residents have a four-year degree: 31.7% of adults hold a bachelor's degree or higher, the median age is 37.6, and the average commute is 30 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Stanislaus County, so 95356 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 95356
Top 5 sectors by establishment count in Modesto, CA
Which industries have the most business establishments in ZIP 95356.
- Retail trade
Retail trade
201 establishments
- Health care and social assistance
Health care and social assistance
125 establishments
- Construction
Construction
97 establishments
- Other services (except public administration)
Other services (except public administration)
93 establishments
- Accommodation and food services
Accommodation and food services
92 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 95356, Modesto, CA · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
30,918
Population
58.9
Area (sq mi)
525
People / sq mi
Los Angeles
Time Zone
standard
ZIP Type
Who lives in ZIP 95356?
37.6
Median Age
47.9%
Male
52.1%
Female
17.0%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$96,886
Median Household Income
-5% vs state ZIP avg
$50,112
Per Capita Income
7.6%
Poverty Rate
5.0%
Unemployment Rate
29.9 min
Mean Commute Time
How ZIP 95356 ranks nationally
Modesto, CA household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$96,886 Top 21% higher than 79% of 30,318 US ZIPs
Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
11,875housing units
11,875
Total Housing Units
11,553
Occupied Units
322
Vacant Units
2.85
Avg Household Size
Occupancy Type
$532,600
Median Home Value
-31% vs state ZIP avg
$1,877
Median Rent
1985
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+3.9%
YoY Change (2024)
281
HPI Index (2000 = 100)
+181%
Total Change Since 2000
Home values in ZIP 95356 have increased 3.9% over the past year (2024). Since 2000, this ZIP has seen +181% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +4.8% | 206 |
| 2021 | +16.4% | 240 |
| 2022 | +10.9% | 266 |
| 2023 | +1.6% | 271 |
| 2024 | +3.9% | 281 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 999 business establishments in ZIP 95356, employing approximately 20,513 people with a combined annual payroll of $1,369,139,000.
999
Businesses
20,513
Employees
$1.4B
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 201 | 20.1% |
| Health care and social assistance | 125 | 12.5% |
| Construction | 97 | 9.7% |
| Other services (except public administration) | 93 | 9.3% |
| Accommodation and food services | 92 | 9.2% |
| Finance and insurance | 65 | 6.5% |
| Professional, scientific, and technical services | 59 | 5.9% |
| Real estate and rental and leasing | 55 | 5.5% |
| Administrative and support and waste management and remediation services | 47 | 4.7% |
| Wholesale trade | 46 | 4.6% |
| Transportation and warehousing | 39 | 3.9% |
| Manufacturing | 27 | 2.7% |
| Arts, entertainment, and recreation | 19 | 1.9% |
| Information | 15 | 1.5% |
| Educational services | 15 | 1.5% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 95356 vs 95350 →
ZIP 95356 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 95355
Modesto (95355)
58,311 residents
- 95350
Modesto (95350)
51,046 residents
- 95351
Modesto (95351)
46,458 residents
- 95358
Modesto (95358)
31,668 residents
- 95356
Modesto (95356)
30,918 residents
- 95354
Modesto (95354)
25,394 residents
- 95367 23,173
Riverbank (95367)
23,173 residents
- 95366 16,575
Ripon (95366)
16,575 residents
- 95368 13,614
Salida (95368)
13,614 residents
What this shows Among its immediate neighbors, ZIP 95356 ranks #5 by population - useful context the national average alone can't give.
ZIP 95356 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 95366
Ripon (95366)
$112,097 median income
- 95356
Modesto (95356)
$96,886 median income
- 95357
Modesto (95357)
$95,707 median income
- 95368
Salida (95368)
$94,935 median income
- 95367
Riverbank (95367)
$87,487 median income
- 95355
Modesto (95355)
$86,849 median income
- 95320
Escalon (95320)
$82,572 median income
- 95358
Modesto (95358)
$76,924 median income
- 95350
Modesto (95350)
$75,621 median income
What this shows By household income, ZIP 95356 ranks #2 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 95350 | Modesto, CA | 51,046 | 3.5 mi |
| 95368 | Salida, CA | 13,614 | 3.5 mi |
| 95367 | Riverbank, CA | 23,173 | 4.7 mi |
| 95320 | Escalon, CA | 12,819 | 7.3 mi |
| 95355 | Modesto, CA | 58,311 | 5.4 mi |
| 95351 | Modesto, CA | 46,458 | 6.9 mi |
| 95366 | Ripon, CA | 16,575 | 6.2 mi |
| 95354 | Modesto, CA | 25,394 | 6.5 mi |
| 95358 | Modesto, CA | 31,668 | 8.4 mi |
| 95357 | Modesto, CA | 11,559 | 8.7 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 95356, both outside CA so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (30,918 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Stanislaus County
Related Areas
Frequently Asked Questions
What county is ZIP code 95356 in?
ZIP code 95356 (Modesto) is located in Stanislaus County, California. Stanislaus County contains multiple ZIP codes, see the full list at /counties/stanislaus-ca.
What is the population of ZIP code 95356?
ZIP code 95356 in Modesto, CA has a population of 30,918 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 95356?
The median household income in ZIP 95356 is $96,886, which is 27% above the national average of $76,288.
What is the average home value in ZIP 95356?
The median home value in ZIP 95356 is $532,600, which is 91% above the national average of $278,155.
What is the demographic makeup of ZIP 95356?
The largest racial group in ZIP 95356 is White at 51.3%. Hispanic or Latino residents make up 33.9% of the population.
How many businesses are in ZIP code 95356?
ZIP code 95356 has 999 business establishments employing approximately 20,513 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 95356?
The top industries by establishment count in ZIP 95356 are: Retail trade (201), Health care and social assistance (125), Construction (97). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 95356?
According to the FHFA House Price Index, home values in ZIP 95356 increased by 3.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 181%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 95356?
In ZIP code 95356, 55.3% of residents aged 25+ have a high school diploma or higher, and 31.7% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 95356?
The mean commute time for workers in ZIP code 95356 is 29.9 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 95356?
In ZIP code 95356, approximately 67.6% of occupied housing units are owner-occupied and 32.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 95356?
The poverty rate in ZIP code 95356 is 7.6% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 95356's numbers, next.
- See how ZIP 95356 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Modesto, CA ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.