ZIP Code Tabulation Area

95355

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
60,710
Median household income
$86,849
People below poverty
11.6%
Median home value
$469,000

Income

The median income of households in 95355 was $86,849. An estimated 3.2% of households had income below $10,000 a year and 12.9% had income of $200,000 or more.

Household Income in 95355 in 2020-2024

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Percent
Less than $10,000 3.2
$10,000 to $14,999 2.9
$15,000 to $24,999 5.2
$25,000 to $34,999 5.5
$35,000 to $49,999 11.5
$50,000 to $74,999 16
$75,000 to $99,999 12.6
$100,000 to $149,999 19.4
$150,000 to $199,999 10.8
$200,000 or more 12.9

Median Earnings for Full-Time Year-Round Workers by Sex in 95355 in 2020-2024

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Dollars
Male 76577
Female 66314

An estimated 79.1% of households received earnings. An estimated 29.7% of households received Social Security and an estimated 27.3 % of households received retirement income other than Social Security. The average income from Social Security was $25,580. 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 95355 in 2020-2024

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Percent
Earnings 79.1
Social Security 29.7
Retirement income 27.3
Supplemental Security Income (SSI) 7.7
Cash public assistance income 3

Poverty and Participation in Government Programs

In 2020-2024, 11.6 % of people were in poverty. An estimated 12.7% of children under 18 were below the poverty level, compared with 12% of people 65 years old and over. An estimated 11% of people 18 to 64 years were below the poverty level.

Poverty Rates in 95355 in 2020-2024

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Percent
People in poverty 11.6
Children under 18 years below poverty 12.7
People 65 years old and over below poverty 12
People 18 to 64 years below poverty 11

In 2020-2024, 14.1 % of households received SNAP (the Supplemental Nutrition Assistance Program). An estimated 50.6% of households that received SNAP had children under 18, and 30.5% of households that received SNAP had one or more people 60 years and over. An estimated 30.3% of all households receiving SNAP were families with a female householder and no spouse present.


Among the civilian noninstitutionalized population in 95355 in 2020-2024, 97% had health insurance coverage and 3% did not have health insurance coverage. Private coverage was 69.7% and public coverage was 38.7%, respectively. The percentage of children under the age of 19 with no health insurance coverage was 3.1%.


In 2020-2024, 95355 had a total population of 60,710 - 31,111 (51.2%) females and 29,599 (48.8%) males. The median age was 37.6 years. An estimated 23.2% of the population was under 18 years, 34.2% was 19 to 44 years, 23.1% was 45 to 64 years, and 16.7 % was 65 years and older.

Population by Age and Sex for 95355 in 2020-2024

Male Female
Under 5 1795 1595
5 to 9 2053 1717
10 to 14 1525 2316
15 to 19 2291 2459
20 to 24 1648 1676
25 to 29 2074 1980
30 to 34 2485 2472
35 to 39 1978 1963
40 to 44 2135 2384
45 to 49 1577 1728
50 to 54 2172 1827
55 to 59 1867 1753
60 to 64 1288 1784
65 to 69 1584 1593
70 to 74 1260 1730
75 to 79 886 973
80 to 84 385 560
85 and over 596 601

Hispanic Origin and Race

For people reporting one race alone, 52.4% were White; 4.3% were Black or African American; 5.8% were American Indian and Alaska Native; 8.4% were Asian; 1% were Native Hawaiian and Other Pacific Islander, and 0% were Some Other Race. An estimated 21.2% reported Two or More Races. An estimated 34.8% of the people in 95355 were Hispanic or Latino. An estimated 45.5% of the people in 95355 were White alone, non-Hispanic. People of Hispanic origin may be of any race.


Households and Families

In 2020-2024, there were 21,565 households in 95355. The average household size was 2.79 people.

Married-couple households made up 48.9% of the households in 95355 while cohabiting couple households made up 7.8% of households. Female householders with no spouse or partner present were 25.2% of all households, while 18.1% of households had male householders with no spouse or partner present. Some households had one person, as 11.6% of households were male householders living alone, and 11.5% were female householders living alone, for a total of 23.1% of all households.

In 95355, 32.3% of all households had one or more people under the age of 18; 33.4% of all households had one or more people 65 years and over.

Types of Households in 95355 in 2020-2024

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Percent
Married-couple households 48.9
Cohabiting Couples 7.8
Male Householder
No spouse/partner present
18.1
Female Householder
No spouse/partner present
25.2

Marital Status

Among persons 15 and older, 49.1% of males and 45% of females were currently married.

Population 15 years and over Percent
Males
Percent
Females
Never married 38.5 34.8
Now married, except separated 49.1 45
Separated 2 1.9
Widowed 2.7 8.5
Divorced 7.6 9.9

Grandparents and Grandchildren

In 95355, 1,331 grandparents lived with their grandchildren under 18 years old. Of those grandparents, 24.2% were responsible for the basic needs of their grandchildren.


Nativity and Foreign-Born

In 2020-2024, an estimated 84.5% of the people living in 95355 were U.S. natives. 70.7% of the 95355 population were living in the state where they were born.

Approximately 15.5% of 95355 residents in 2020-2024 were foreign-born. 67.1% of foreign-born were naturalized U.S. citizens and an estimated 72.9 % entered the country before the year 2010.

Foreign-born residents of 95355 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 95355.

Region of Birth for the Foreign-Born Population in 95355 in 2020-2024

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Percent
Latin America 31.3
Asia 49.4
Europe 8.2
Africa 2.8
Northern America 1.7
Oceania 6.7

Language

Among people at least five years old living in 95355 in 2020-2024, 26.5 % spoke a language other than English at home. Spanish was spoken by 14.1% of people at least five years old; 8.9% 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 95355 in 2020-2024

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Percent
Spanish 14.1
Other Indo-European languages 5.5
Asian and Pacific Islander languages 4.1
Other languages 2.8

Geographic Mobility

In 2020-2024, 89.3 % of the people at least one year old living in 95355 were living in the same house one year earlier.

Geographic Mobility of Residents of 95355 in 2020-2024

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Percent
Same house 89.3
Different house, same county 6.1
Different county, same state 3
Different state 1.2
Abroad 0.5

Education

In 2020-2024, 89.3 % of people 25 years and over had at least graduated from high school and 24.3% had a bachelor's degree or higher. An estimated 10.7% did not complete high school.

The total school enrollment in 95355 was 16,825 in 2020-2024. Nursery school enrollment was 815 and kindergarten through 12th grade enrollment was 11,128. College or graduate school enrollment was 4,882.

Educational Attainment of People in 95355 in 2020-2024

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Percent
Less than high school diploma 10.7
High school diploma or equivalency 25.1
Some college, no degree 28.2
Associate's degree 11.7
Bachelor's degree 15.6
Graduate or professional degree 8.7

Disability

In 95355, among the civilian noninstitutionalized population in 2020-2024, 13.5 % reported a disability. The likelihood of having a disability varied by age - from 7.1% of people under 18 years old, to 11.3% of people 18 to 64 years old, and to 30.6% of those 65 and over.


Employment Status and Type of Employer

In 95355, 58.7 % of the population 16 and over were employed; 38.2% were not currently in the labor force.

An estimated 77.2% of the people employed were private wage and salary workers; 18.2% were federal, state, or local government workers; and 4.4 % were self-employed in their own (not incorporated) business.

Class of worker Number Percent
Private wage and salary workers 21,969 77.2
Federal, state, or local government workers 5,185 18.2
Self-employed workers in own not incorporated business 1,264 4.4

Industries

In 2020-2024, the civilian employed population 16 years and older in 95355 worked in the following industries:

Percent by Industry in 95355 in 2020-2024

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Percent
Agriculture, forestry, fishing and hunting, and mining 1
Construction 8.3
Manufacturing 11.8
Wholesale trade 2.6
Retail trade 13.2
Transportation and warehousing, and utilities 6
Information 1.3
Finance and insurance, and real estate and rental and leasing 5.1
Professional, scientific, and management, and administrative and waste management services 7.5
Educational services, and health care and social assistance 26.2
Arts, entertainment, and recreation, and accommodation, and food services 6.7
Other Services, except public administration 4.9
Public administration 5.4

Occupations

Occupations for the Civilian Employed Population 16 Years and over in 95355 in 2020-2024

Civilian employed population 16 years and over Number Percent
Management, business, sciences, and arts occupations 10,920 38.4
Service occupations 4,687 16.5
Sales and office occupations 6,063 21.3
Natural resources, construction, and maintenance occupations 2,896 10.2
Production, transportation, and material moving occupations 3,897 13.7

Commuting to Work

An estimated 73.6% of 95355 workers drove to work alone in 2020-2024, and 10.1% carpooled. Among those who commuted to work, it took them on average 30.7 minutes to get to work.

Percent of Workers 16 and over Commuting by Mode in 95355 in 2020-2024

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Percent
Car, truck, van -- drove alone 73.6
Car, truck, van -- carpooled 10.1
Public transportation (excluding taxicab) 1.5
Walked 0.7
Other means 2.3
Worked from home 11.8

In 2020-2024, 95355 had a total of 22,339 housing units. Of these housing units, 75.2% 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"). 21.4% of the housing units were located in multi-unit structures, or those buildings that contained two or more apartments. 3.3% were mobile homes, while any remaining housing units were classified as "other," which included boats, recreational vehicles, vans, etc.

Types of Housing Units in 95355 in 2020-2024

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Percent
Single-family houses 75.2
Apartments in multi-unit structures 21.4
Mobile homes 3.3
Boat, RV, van, etc 0

4.4% of the housing inventory was comprised of houses built since 2010, while 0.4% of the houses were first built in 1939 or earlier. The median number of rooms in all housing units in 95355 was 5.7 rooms, and of these housing units 67.7% had three or more bedrooms.


In 2020-2024, 95355 had 21,565 housing units that were occupied or had people living in them, while the remaining 774 were vacant. Of the occupied housing units, the percentage of these houses occupied by owners (also known as the homeownership rate) was 62.3% while renters occupied 37.7%. The average household size of owner-occupied houses was 2.94 and in renter-occupied houses it was 2.54.

3.3% of householders of these occupied houses had moved into their house since 2021, while 7.6% moved into their house in 1989 or earlier. Households without a vehicle available for personal use comprised 4.8% and another 25.5% had three or more vehicles available for use.

The following chart provides the primary fuel used to heat houses in 95355:

House Heating Fuel Used in 95355 in 2020-2024

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Percent
Gas 63.9
Electricity 34.1
Fuel oil, kerosene, etc 0.2
All other fuels 1.3
No fuel used 0.5

In 2020-2024, the median property value for owner-occupied houses in 95355 was $469,000.

Of the owner-occupied households, 66 % had a mortgage. 34% 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 $2,253 and for owners without a mortgage it was $725.

For renter-occupied houses, the median gross rent for 95355 was $1,795. 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.