ZIP Code Tabulation Area

95351

Modesto, CA · ACS 2020–2024

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Latest estimates

At a glance

U.S. Census Bureau American Community Survey 5-year estimates.

Total population
48,498
Median household income
$58,275
People below poverty
22.4%
Median home value
$343,500

Income

The median income of households in 95351 was $58,275. An estimated 5.6% of households had income below $10,000 a year and 2.7% had income of $200,000 or more.

Household Income in 95351 in 2020-2024

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Percent
Less than $10,000 5.6
$10,000 to $14,999 4.5
$15,000 to $24,999 12
$25,000 to $34,999 7.3
$35,000 to $49,999 12.5
$50,000 to $74,999 20.3
$75,000 to $99,999 11.7
$100,000 to $149,999 16.7
$150,000 to $199,999 6.7
$200,000 or more 2.7

Median Earnings for Full-Time Year-Round Workers by Sex in 95351 in 2020-2024

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Dollars
Male 48163
Female 34910

An estimated 81.8% of households received earnings. An estimated 28% of households received Social Security and an estimated 15.6 % of households received retirement income other than Social Security. The average income from Social Security was $18,679. These income sources are not mutually exclusive; that is, some households received income from more than one source.

Proportion of Households with Various Income Sources in 95351 in 2020-2024

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Percent
Earnings 81.8
Social Security 28
Retirement income 15.6
Supplemental Security Income (SSI) 9.4
Cash public assistance income 6.3

Poverty and Participation in Government Programs

In 2020-2024, 22.4 % of people were in poverty. An estimated 31.4% of children under 18 were below the poverty level, compared with 17% of people 65 years old and over. An estimated 18.7% of people 18 to 64 years were below the poverty level.

Poverty Rates in 95351 in 2020-2024

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Percent
People in poverty 22.4
Children under 18 years below poverty 31.4
People 65 years old and over below poverty 17
People 18 to 64 years below poverty 18.7

In 2020-2024, 28.6 % of households received SNAP (the Supplemental Nutrition Assistance Program). An estimated 61.7% of households that received SNAP had children under 18, and 33.4% of households that received SNAP had one or more people 60 years and over. An estimated 37.5% of all households receiving SNAP were families with a female householder and no spouse present.


Among the civilian noninstitutionalized population in 95351 in 2020-2024, 90.7% had health insurance coverage and 9.3% did not have health insurance coverage. Private coverage was 33.7% and public coverage was 63.5%, respectively. The percentage of children under the age of 19 with no health insurance coverage was 1.6%.


In 2020-2024, 95351 had a total population of 48,498 - 23,861 (49.2%) females and 24,637 (50.8%) males. The median age was 29.7 years. An estimated 30.8% of the population was under 18 years, 34.9% was 19 to 44 years, 21.8% was 45 to 64 years, and 9.2 % was 65 years and older.

Population by Age and Sex for 95351 in 2020-2024

Male Female
Under 5 1688 1660
5 to 9 1992 2206
10 to 14 2441 2255
15 to 19 2214 2099
20 to 24 2149 1852
25 to 29 2023 1879
30 to 34 1853 1750
35 to 39 1528 1175
40 to 44 1368 1358
45 to 49 1357 1425
50 to 54 1599 1764
55 to 59 1266 1190
60 to 64 959 964
65 to 69 1105 937
70 to 74 495 493
75 to 79 323 259
80 to 84 103 223
85 and over 174 372

Hispanic Origin and Race

For people reporting one race alone, 18.8% were White; 2.7% were Black or African American; 2.1% were American Indian and Alaska Native; 6.3% were Asian; 0.8% were Native Hawaiian and Other Pacific Islander, and 0% were Some Other Race. An estimated 45.8% reported Two or More Races. An estimated 75.9% of the people in 95351 were Hispanic or Latino. An estimated 12.8% of the people in 95351 were White alone, non-Hispanic. People of Hispanic origin may be of any race.


Households and Families

In 2020-2024, there were 13,229 households in 95351. The average household size was 3.63 people.

Married-couple households made up 45.4% of the households in 95351 while cohabiting couple households made up 10.1% of households. Female householders with no spouse or partner present were 27.2% of all households, while 17.3% of households had male householders with no spouse or partner present. Some households had one person, as 8.6% of households were male householders living alone, and 7.1% were female householders living alone, for a total of 15.7% of all households.

In 95351, 49.2% of all households had one or more people under the age of 18; 26.5% of all households had one or more people 65 years and over.

Types of Households in 95351 in 2020-2024

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Percent
Married-couple households 45.4
Cohabiting Couples 10.1
Male Householder
No spouse/partner present
17.3
Female Householder
No spouse/partner present
27.2

Marital Status

Among persons 15 and older, 39% of males and 39.8% of females were currently married.

Population 15 years and over Percent
Males
Percent
Females
Never married 48.1 41.1
Now married, except separated 39 39.8
Separated 1.9 4.6
Widowed 2.5 6.4
Divorced 8.5 8.1

Grandparents and Grandchildren

In 95351, 2,116 grandparents lived with their grandchildren under 18 years old. Of those grandparents, 25.7% were responsible for the basic needs of their grandchildren.


Nativity and Foreign-Born

In 2020-2024, an estimated 68.7% of the people living in 95351 were U.S. natives. 62.4% of the 95351 population were living in the state where they were born.

Approximately 31.3% of 95351 residents in 2020-2024 were foreign-born. 32.4% of foreign-born were naturalized U.S. citizens and an estimated 80.1 % entered the country before the year 2010.

Foreign-born residents of 95351 come from different parts of the world. The bar graph below displays the percentage of foreign-born from each world region of birth in 2020-2024 for 95351.

Region of Birth for the Foreign-Born Population in 95351 in 2020-2024

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Percent
Latin America 88.2
Asia 9.7
Europe 1.5
Africa 0.1
Northern America 0.1
Oceania 0.5

Language

Among people at least five years old living in 95351 in 2020-2024, 66.2 % spoke a language other than English at home. Spanish was spoken by 60.8% of people at least five years old; 27.8% reported that they did not speak English "very well."

Percentage of the Population 5 years and over who Speak a Language other than English in 95351 in 2020-2024

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Percent
Spanish 60.8
Other Indo-European languages 2.3
Asian and Pacific Islander languages 2.9
Other languages 0

Geographic Mobility

In 2020-2024, 91.9 % of the people at least one year old living in 95351 were living in the same house one year earlier.

Geographic Mobility of Residents of 95351 in 2020-2024

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Percent
Same house 91.9
Different house, same county 6.3
Different county, same state 0.7
Different state 0.4
Abroad 0.6

Education

In 2020-2024, 62.8 % of people 25 years and over had at least graduated from high school and 7.1% had a bachelor's degree or higher. An estimated 37.2% did not complete high school.

The total school enrollment in 95351 was 14,831 in 2020-2024. Nursery school enrollment was 553 and kindergarten through 12th grade enrollment was 11,730. College or graduate school enrollment was 2,548.

Educational Attainment of People in 95351 in 2020-2024

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Percent
Less than high school diploma 37.2
High school diploma or equivalency 33.4
Some college, no degree 17.9
Associate's degree 4.5
Bachelor's degree 5.5
Graduate or professional degree 1.6

Disability

In 95351, among the civilian noninstitutionalized population in 2020-2024, 13.2 % reported a disability. The likelihood of having a disability varied by age - from 2.9% of people under 18 years old, to 14.3% of people 18 to 64 years old, and to 41% of those 65 and over.


Employment Status and Type of Employer

In 95351, 52.2 % of the population 16 and over were employed; 39.6% were not currently in the labor force.

An estimated 83% of the people employed were private wage and salary workers; 9% were federal, state, or local government workers; and 7.9 % were self-employed in their own (not incorporated) business.

Class of worker Number Percent
Private wage and salary workers 15,197 83
Federal, state, or local government workers 1,655 9
Self-employed workers in own not incorporated business 1,450 7.9

Industries

In 2020-2024, the civilian employed population 16 years and older in 95351 worked in the following industries:

Percent by Industry in 95351 in 2020-2024

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Percent
Agriculture, forestry, fishing and hunting, and mining 5.6
Construction 10.3
Manufacturing 13.5
Wholesale trade 2.9
Retail trade 14.3
Transportation and warehousing, and utilities 9.6
Information 0.9
Finance and insurance, and real estate and rental and leasing 2
Professional, scientific, and management, and administrative and waste management services 11.6
Educational services, and health care and social assistance 15
Arts, entertainment, and recreation, and accommodation, and food services 8.4
Other Services, except public administration 4.1
Public administration 1.8

Occupations

Occupations for the Civilian Employed Population 16 Years and over in 95351 in 2020-2024

Civilian employed population 16 years and over Number Percent
Management, business, sciences, and arts occupations 2,928 16
Service occupations 3,863 21.1
Sales and office occupations 2,906 15.9
Natural resources, construction, and maintenance occupations 3,637 19.9
Production, transportation, and material moving occupations 4,975 27.2

Commuting to Work

An estimated 74.2% of 95351 workers drove to work alone in 2020-2024, and 15.8% carpooled. Among those who commuted to work, it took them on average 30.6 minutes to get to work.

Percent of Workers 16 and over Commuting by Mode in 95351 in 2020-2024

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Percent
Car, truck, van -- drove alone 74.2
Car, truck, van -- carpooled 15.8
Public transportation (excluding taxicab) 1.9
Walked 0.9
Other means 2.1
Worked from home 5.2

In 2020-2024, 95351 had a total of 13,736 housing units. Of these housing units, 80.7% were single-family houses either not attached to any other structure or attached to one or more structures (commonly referred to as "townhouses" or "row houses"). 12.2% of the housing units were located in multi-unit structures, or those buildings that contained two or more apartments. 6.7% were mobile homes, while any remaining housing units were classified as "other," which included boats, recreational vehicles, vans, etc.

Types of Housing Units in 95351 in 2020-2024

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Percent
Single-family houses 80.7
Apartments in multi-unit structures 12.2
Mobile homes 6.7
Boat, RV, van, etc 0.4

2.2% of the housing inventory was comprised of houses built since 2010, while 9.6% of the houses were first built in 1939 or earlier. The median number of rooms in all housing units in 95351 was 5 rooms, and of these housing units 62.4% had three or more bedrooms.


In 2020-2024, 95351 had 13,229 housing units that were occupied or had people living in them, while the remaining 507 were vacant. Of the occupied housing units, the percentage of these houses occupied by owners (also known as the homeownership rate) was 48.3% while renters occupied 51.7%. The average household size of owner-occupied houses was 3.6 and in renter-occupied houses it was 3.66.

4.5% of householders of these occupied houses had moved into their house since 2021, while 8.2% moved into their house in 1989 or earlier. Households without a vehicle available for personal use comprised 9.1% and another 33.7% had three or more vehicles available for use.

The following chart provides the primary fuel used to heat houses in 95351:

House Heating Fuel Used in 95351 in 2020-2024

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Percent
Gas 70.7
Electricity 27.2
Fuel oil, kerosene, etc 0
All other fuels 0.8
No fuel used 1.3

In 2020-2024, the median property value for owner-occupied houses in 95351 was $343,500.

Of the owner-occupied households, 57.6 % had a mortgage. 42.4% owned their houses "free and clear," that is without a primary mortgage or loan on the house. The median monthly housing costs for owners with a mortgage was $1,700 and for owners without a mortgage it was $629.

For renter-occupied houses, the median gross rent for 95351 was $1,465. Gross rent includes the monthly contract rent and any monthly payments made for electricity, gas, water and sewer, and any other fuels to heat the house.