PlainZIP

Modesto, CA · standard

ZIP Code 95357

Stanislaus County, California - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

11,559
112/sq mi
$95,707
Median income
$445,400
Median home value
18.1%
Bachelor's or higher

The verdict

Modesto pairs an upper-quartile household income with upper-quartile home values, in a rural, homeowner-dominated area.

Top 22%
household income, US ZIPs
Top 17%
home value, US ZIPs
112
people per sq mi
71%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 95357 against every reporting US ZIP.

ZIP code 95357 is a mid-sized community (a standard USPS delivery area) in Modesto, Stanislaus County, California, home to 11,559 residents across 103.2 square miles, a density of 112 people per square mile, in the Los Angeles time zone.

ZIP 95357 lands in the middle-income range, with a median household income of $95,707 (6% below the California average), while per-capita income is $37,360. 11.2% of residents live below the poverty line, and the unemployment rate reads 6.7%. Housing costs here run $445,400 for a typical home value (42% below the state average), with rent averaging $2,028 a month; 71.4% of homes are owner-occupied.

Educational attainment sits below the national norm: 18.1% of adults hold a bachelor's degree or higher, the median age is 35.8, and the average commute is 27 minutes. To put 95357 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Stanislaus County, for a geography-aware comparison.

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 95357

Top 5 sectors by establishment count in Modesto, CA

Which industries have the most business establishments in ZIP 95357.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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 95357, 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

11,559

Population

103.2

Area (sq mi)

112

People / sq mi

Los Angeles

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 95357?

35.8

Median Age

54.0%

Male

46.0%

Female

17.4%

Foreign-Born

White 43.2%
African American 8.4%
Asian 5.9%
American Indian or Alaska Native 2.1%
Native Hawaiian or Pacific Islander 0.5%
Two or More Ethnicities 20.0%
Hispanic or Latino 40.3%

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?

$95,707

Median Household Income

-6% vs state

$37,360

Per Capita Income

11.2%

Poverty Rate

6.7%

Unemployment Rate

27.2 min

Mean Commute Time

How ZIP 95357 ranks nationally

Modesto, CA household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$95,707 Top 22% higher than 78% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

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?

High School Graduate or Higher 47.8%
Bachelor's Degree or Higher 18.1%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

4,259

Total Housing Units

4,190

Occupied Units

69

Vacant Units

3.24

Avg Household Size

Occupancy Type

Owner 71.4%
Renter 28.6%

$445,400

Median Home Value

-42% vs state

$2,028

Median Rent

1991

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

+4.8%

YoY Change (2024)

291

HPI Index (2000 = 100)

+191%

Total Change Since 2000

Home values in ZIP 95357 have increased 4.8% over the past year (2024). Since 2000, this ZIP has seen +191% cumulative appreciation.

Year Annual Change HPI Index
2020 +5.4% 203
2021 +16.6% 237
2022 +14.9% 272
2023 +2.0% 278
2024 +4.8% 291

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 188 business establishments in ZIP 95357, employing approximately 4,343 people with a combined annual payroll of $286,585,000.

188

Businesses

4,343

Employees

$286.6M

Annual Payroll

13

Industry Sectors

Industry Establishments % of Total
Construction 25 13.3%
Transportation and warehousing 24 12.8%
Other services (except public administration) 23 12.2%
Manufacturing 18 9.6%
Retail trade 16 8.5%
Administrative and support and waste management and remediation services 15 8.0%
Wholesale trade 13 6.9%
Accommodation and food services 13 6.9%
Professional, scientific, and technical services 11 5.8%
Real estate and rental and leasing 9 4.8%
Health care and social assistance 7 3.7%
Educational services 5 2.7%
Management of companies and enterprises 4 2.1%

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 95357 vs 95319 →

ZIP 95357 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 95357 ranks #8 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 95357 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 95357 ranks the highest of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
95319 Empire, CA 1,749 2.3 mi
95355 Modesto, CA 58,311 3.7 mi
95326 Hughson, CA 9,581 5.6 mi
95354 Modesto, CA 25,394 5.1 mi
95367 Riverbank, CA 23,173 5.3 mi
95350 Modesto, CA 51,046 6.9 mi
95328 Keyes, CA 3,993 7.7 mi
95351 Modesto, CA 46,458 7.1 mi
95382 Turlock, CA 36,176 9.8 mi
95307 Ceres, CA 42,753 8.8 mi

More ZIP Codes in Stanislaus County

95355 standard
Modesto, CA
Pop: 58,311
95350 standard
Modesto, CA
Pop: 51,046
95351 standard
Modesto, CA
Pop: 46,458
95307 standard
Ceres, CA
Pop: 42,753
95380 standard
Turlock, CA
Pop: 41,201
95382 standard
Turlock, CA
Pop: 36,176

Related Areas

Stanislaus County Modesto, CA California

Frequently Asked Questions

What county is ZIP code 95357 in? ▼
ZIP code 95357 (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 95357? ▼
ZIP code 95357 in Modesto, CA has a population of 11,559 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 95357? ▼
The median household income in ZIP 95357 is $95,707, which is 25% above the national average of $76,288.
What is the average home value in ZIP 95357? ▼
The median home value in ZIP 95357 is $445,400, which is 60% above the national average of $278,155.
What is the demographic makeup of ZIP 95357? ▼
The largest racial group in ZIP 95357 is White at 43.2%. Hispanic or Latino residents make up 40.3% of the population.
How many businesses are in ZIP code 95357? ▼
ZIP code 95357 has 188 business establishments employing approximately 4,343 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 95357? ▼
The top industries by establishment count in ZIP 95357 are: Construction (25), Transportation and warehousing (24), Other services (except public administration) (23). There are 13 industry sectors represented in total.
How have home values changed in ZIP code 95357? ▼
According to the FHFA House Price Index, home values in ZIP 95357 increased by 4.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 191%. 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 95357? ▼
In ZIP code 95357, 47.8% of residents aged 25+ have a high school diploma or higher, and 18.1% 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 95357? ▼
The mean commute time for workers in ZIP code 95357 is 27.2 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 95357? ▼
In ZIP code 95357, approximately 71.4% of occupied housing units are owner-occupied and 28.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 95357? ▼
The poverty rate in ZIP code 95357 is 11.2% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.