ZIP Code Tabulation Area

95354

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
25,684
Median household income
$72,879
People below poverty
15.6%
Median home value
$389,600

Income

The median income of households in 95354 was $72,879. An estimated 4.8% of households had income below $10,000 a year and 9% had income of $200,000 or more.

Household Income in 95354 in 2020-2024

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Percent
Less than $10,000 4.8
$10,000 to $14,999 7.4
$15,000 to $24,999 5.9
$25,000 to $34,999 6.2
$35,000 to $49,999 12.1
$50,000 to $74,999 15
$75,000 to $99,999 14.5
$100,000 to $149,999 17.7
$150,000 to $199,999 7.5
$200,000 or more 9

Median Earnings for Full-Time Year-Round Workers by Sex in 95354 in 2020-2024

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Dollars
Male 61764
Female 47099

An estimated 75.2% of households received earnings. An estimated 28.6% of households received Social Security and an estimated 17.4 % of households received retirement income other than Social Security. The average income from Social Security was $18,203. 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 95354 in 2020-2024

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Percent
Earnings 75.2
Social Security 28.6
Retirement income 17.4
Supplemental Security Income (SSI) 10.6
Cash public assistance income 5.3

Poverty and Participation in Government Programs

In 2020-2024, 15.6 % of people were in poverty. An estimated 16.1% of children under 18 were below the poverty level, compared with 24.1% of people 65 years old and over. An estimated 13.6% of people 18 to 64 years were below the poverty level.

Poverty Rates in 95354 in 2020-2024

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Percent
People in poverty 15.6
Children under 18 years below poverty 16.1
People 65 years old and over below poverty 24.1
People 18 to 64 years below poverty 13.6

In 2020-2024, 20.9 % of households received SNAP (the Supplemental Nutrition Assistance Program). An estimated 37.7% of households that received SNAP had children under 18, and 55.2% of households that received SNAP had one or more people 60 years and over. An estimated 22.5% of all households receiving SNAP were families with a female householder and no spouse present.


Among the civilian noninstitutionalized population in 95354 in 2020-2024, 95.6% had health insurance coverage and 4.4% did not have health insurance coverage. Private coverage was 49.7% and public coverage was 51.2%, respectively. The percentage of children under the age of 19 with no health insurance coverage was 0.8%.


In 2020-2024, 95354 had a total population of 25,684 - 12,815 (49.9%) females and 12,869 (50.1%) males. The median age was 36.1 years. An estimated 26.7% of the population was under 18 years, 35% was 19 to 44 years, 22.9% was 45 to 64 years, and 13.4 % was 65 years and older.

Population by Age and Sex for 95354 in 2020-2024

Male Female
Under 5 876 855
5 to 9 1226 856
10 to 14 1124 958
15 to 19 722 738
20 to 24 378 841
25 to 29 701 925
30 to 34 1147 1136
35 to 39 791 884
40 to 44 1306 908
45 to 49 868 623
50 to 54 948 717
55 to 59 587 803
60 to 64 618 706
65 to 69 631 752
70 to 74 527 394
75 to 79 265 407
80 to 84 123 175
85 and over 31 137

Hispanic Origin and Race

For people reporting one race alone, 36.8% were White; 4.7% were Black or African American; 2.8% were American Indian and Alaska Native; 7.5% were Asian; 2.7% were Native Hawaiian and Other Pacific Islander, and 0% were Some Other Race. An estimated 32% reported Two or More Races. An estimated 51.1% of the people in 95354 were Hispanic or Latino. An estimated 32.4% of the people in 95354 were White alone, non-Hispanic. People of Hispanic origin may be of any race.


Households and Families

In 2020-2024, there were 9,089 households in 95354. The average household size was 2.79 people.

Married-couple households made up 40% of the households in 95354 while cohabiting couple households made up 6.2% of households. Female householders with no spouse or partner present were 29.1% of all households, while 24.7% of households had male householders with no spouse or partner present. Some households had one person, as 14% of households were male householders living alone, and 14.6% were female householders living alone, for a total of 28.6% of all households.

In 95354, 35% of all households had one or more people under the age of 18; 30.1% of all households had one or more people 65 years and over.

Types of Households in 95354 in 2020-2024

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Percent
Married-couple households 40
Cohabiting Couples 6.2
Male Householder
No spouse/partner present
24.7
Female Householder
No spouse/partner present
29.1

Marital Status

Among persons 15 and older, 45.5% of males and 41.3% of females were currently married.

Population 15 years and over Percent
Males
Percent
Females
Never married 39 33.4
Now married, except separated 45.5 41.3
Separated 2.5 2.4
Widowed 2.6 6.6
Divorced 10.4 16.3

Grandparents and Grandchildren

In 95354, 1,004 grandparents lived with their grandchildren under 18 years old. Of those grandparents, 14.5% were responsible for the basic needs of their grandchildren.


Nativity and Foreign-Born

In 2020-2024, an estimated 77.9% of the people living in 95354 were U.S. natives. 68.4% of the 95354 population were living in the state where they were born.

Approximately 22.1% of 95354 residents in 2020-2024 were foreign-born. 41.4% of foreign-born were naturalized U.S. citizens and an estimated 74.7 % entered the country before the year 2010.

Foreign-born residents of 95354 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 95354.

Region of Birth for the Foreign-Born Population in 95354 in 2020-2024

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Percent
Latin America 66
Asia 26.9
Europe 3.5
Africa 1
Northern America 0.5
Oceania 2.1

Language

Among people at least five years old living in 95354 in 2020-2024, 44.9 % spoke a language other than English at home. Spanish was spoken by 34.7% of people at least five years old; 16.6% 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 95354 in 2020-2024

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Percent
Spanish 34.7
Other Indo-European languages 4.6
Asian and Pacific Islander languages 4
Other languages 1.6

Geographic Mobility

In 2020-2024, 84.7 % of the people at least one year old living in 95354 were living in the same house one year earlier.

Geographic Mobility of Residents of 95354 in 2020-2024

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Percent
Same house 84.7
Different house, same county 10.8
Different county, same state 2.3
Different state 0.4
Abroad 1.8

Education

In 2020-2024, 79.6 % of people 25 years and over had at least graduated from high school and 18.2% had a bachelor's degree or higher. An estimated 20.4% did not complete high school.

The total school enrollment in 95354 was 6,300 in 2020-2024. Nursery school enrollment was 351 and kindergarten through 12th grade enrollment was 5,188. College or graduate school enrollment was 761.

Educational Attainment of People in 95354 in 2020-2024

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Percent
Less than high school diploma 20.4
High school diploma or equivalency 33.4
Some college, no degree 20.7
Associate's degree 7.2
Bachelor's degree 11.2
Graduate or professional degree 7

Disability

In 95354, among the civilian noninstitutionalized population in 2020-2024, 14.1 % reported a disability. The likelihood of having a disability varied by age - from 3.4% of people under 18 years old, to 12.1% of people 18 to 64 years old, and to 44.7% of those 65 and over.


Employment Status and Type of Employer

In 95354, 57.4 % of the population 16 and over were employed; 38.2% were not currently in the labor force.

An estimated 81% of the people employed were private wage and salary workers; 13.5% were federal, state, or local government workers; and 5.5 % were self-employed in their own (not incorporated) business.

Class of worker Number Percent
Private wage and salary workers 9,014 81
Federal, state, or local government workers 1,507 13.5
Self-employed workers in own not incorporated business 611 5.5

Industries

In 2020-2024, the civilian employed population 16 years and older in 95354 worked in the following industries:

Percent by Industry in 95354 in 2020-2024

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Percent
Agriculture, forestry, fishing and hunting, and mining 2.3
Construction 8.1
Manufacturing 9.5
Wholesale trade 1.9
Retail trade 12
Transportation and warehousing, and utilities 11.6
Information 0.7
Finance and insurance, and real estate and rental and leasing 4.3
Professional, scientific, and management, and administrative and waste management services 9.8
Educational services, and health care and social assistance 19.9
Arts, entertainment, and recreation, and accommodation, and food services 8.6
Other Services, except public administration 6.9
Public administration 4.3

Occupations

Occupations for the Civilian Employed Population 16 Years and over in 95354 in 2020-2024

Civilian employed population 16 years and over Number Percent
Management, business, sciences, and arts occupations 3,187 28.6
Service occupations 1,733 15.6
Sales and office occupations 2,067 18.6
Natural resources, construction, and maintenance occupations 1,446 13
Production, transportation, and material moving occupations 2,699 24.2

Commuting to Work

An estimated 74.8% of 95354 workers drove to work alone in 2020-2024, and 14.5% carpooled. Among those who commuted to work, it took them on average 27.4 minutes to get to work.

Percent of Workers 16 and over Commuting by Mode in 95354 in 2020-2024

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Percent
Car, truck, van -- drove alone 74.8
Car, truck, van -- carpooled 14.5
Public transportation (excluding taxicab) 1.2
Walked 0.8
Other means 2.8
Worked from home 6

In 2020-2024, 95354 had a total of 9,707 housing units. Of these housing units, 79.2% 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"). 20.5% of the housing units were located in multi-unit structures, or those buildings that contained two or more apartments. 0.3% were mobile homes, while any remaining housing units were classified as "other," which included boats, recreational vehicles, vans, etc.

Types of Housing Units in 95354 in 2020-2024

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Percent
Single-family houses 79.2
Apartments in multi-unit structures 20.5
Mobile homes 0.3
Boat, RV, van, etc 0

2.3% of the housing inventory was comprised of houses built since 2010, while 17.6% of the houses were first built in 1939 or earlier. The median number of rooms in all housing units in 95354 was 4.8 rooms, and of these housing units 50.5% had three or more bedrooms.


In 2020-2024, 95354 had 9,089 housing units that were occupied or had people living in them, while the remaining 618 were vacant. Of the occupied housing units, the percentage of these houses occupied by owners (also known as the homeownership rate) was 50.4% while renters occupied 49.6%. The average household size of owner-occupied houses was 2.87 and in renter-occupied houses it was 2.7.

3.3% of householders of these occupied houses had moved into their house since 2021, while 7.5% moved into their house in 1989 or earlier. Households without a vehicle available for personal use comprised 9.5% and another 22.3% had three or more vehicles available for use.

The following chart provides the primary fuel used to heat houses in 95354:

House Heating Fuel Used in 95354 in 2020-2024

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Percent
Gas 65.3
Electricity 32.9
Fuel oil, kerosene, etc 0
All other fuels 0.7
No fuel used 1.1

In 2020-2024, the median property value for owner-occupied houses in 95354 was $389,600.

Of the owner-occupied households, 70.2 % had a mortgage. 29.8% 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 $1,864 and for owners without a mortgage it was $508.

For renter-occupied houses, the median gross rent for 95354 was $1,540. 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.