ZIP Code Tabulation Area

95357

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
13,599
Median household income
$95,707
People below poverty
11.2%
Median home value
$445,400

Income

The median income of households in 95357 was $95,707. An estimated 5.4% of households had income below $10,000 a year and 13.7% had income of $200,000 or more.

Household Income in 95357 in 2020-2024

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Percent
Less than $10,000 5.4
$10,000 to $14,999 1
$15,000 to $24,999 4.5
$25,000 to $34,999 5.3
$35,000 to $49,999 8.7
$50,000 to $74,999 13.2
$75,000 to $99,999 14.2
$100,000 to $149,999 23.9
$150,000 to $199,999 10.2
$200,000 or more 13.7

Median Earnings for Full-Time Year-Round Workers by Sex in 95357 in 2020-2024

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Dollars
Male 65199
Female 55938

An estimated 81.5% of households received earnings. An estimated 27.5% of households received Social Security and an estimated 24.2 % of households received retirement income other than Social Security. The average income from Social Security was $24,745. 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 95357 in 2020-2024

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Percent
Earnings 81.5
Social Security 27.5
Retirement income 24.2
Supplemental Security Income (SSI) 8.2
Cash public assistance income 2.9

Poverty and Participation in Government Programs

In 2020-2024, 11.2 % of people were in poverty. An estimated 14.1% of children under 18 were below the poverty level, compared with 14.6% of people 65 years old and over. An estimated 9% of people 18 to 64 years were below the poverty level.

Poverty Rates in 95357 in 2020-2024

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Percent
People in poverty 11.2
Children under 18 years below poverty 14.1
People 65 years old and over below poverty 14.6
People 18 to 64 years below poverty 9

In 2020-2024, 7.9 % of households received SNAP (the Supplemental Nutrition Assistance Program). An estimated 70% of households that received SNAP had children under 18, and 22.8% of households that received SNAP had one or more people 60 years and over. An estimated 43.8% of all households receiving SNAP were families with a female householder and no spouse present.


Among the civilian noninstitutionalized population in 95357 in 2020-2024, 95.3% had health insurance coverage and 4.7% did not have health insurance coverage. Private coverage was 59.9% and public coverage was 41.6%, respectively. The percentage of children under the age of 19 with no health insurance coverage was 0.1%.


In 2020-2024, 95357 had a total population of 13,599 - 6,254 (46%) females and 7,345 (54%) males. The median age was 35.8 years. An estimated 28% of the population was under 18 years, 34% was 19 to 44 years, 23.6% was 45 to 64 years, and 13 % was 65 years and older.

Population by Age and Sex for 95357 in 2020-2024

Male Female
Under 5 474 345
5 to 9 960 520
10 to 14 639 456
15 to 19 373 227
20 to 24 490 165
25 to 29 414 612
30 to 34 571 453
35 to 39 571 471
40 to 44 485 396
45 to 49 277 296
50 to 54 316 337
55 to 59 362 411
60 to 64 621 591
65 to 69 285 397
70 to 74 257 250
75 to 79 85 172
80 to 84 71 102
85 and over 94 53

Hispanic Origin and Race

For people reporting one race alone, 43.2% were White; 8.4% were Black or African American; 5.6% were American Indian and Alaska Native; 5.9% were Asian; 2.9% were Native Hawaiian and Other Pacific Islander, and 0% were Some Other Race. An estimated 20% reported Two or More Races. An estimated 40.3% of the people in 95357 were Hispanic or Latino. An estimated 38.7% of the people in 95357 were White alone, non-Hispanic. People of Hispanic origin may be of any race.


Households and Families

In 2020-2024, there were 4,190 households in 95357. The average household size was 3.24 people.

Married-couple households made up 58% of the households in 95357 while cohabiting couple households made up 5.4% of households. Female householders with no spouse or partner present were 20% of all households, while 16.6% of households had male householders with no spouse or partner present. Some households had one person, as 7.7% of households were male householders living alone, and 6.2% were female householders living alone, for a total of 13.9% of all households.

In 95357, 42.5% of all households had one or more people under the age of 18; 33.2% of all households had one or more people 65 years and over.

Types of Households in 95357 in 2020-2024

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Percent
Married-couple households 58
Cohabiting Couples 5.4
Male Householder
No spouse/partner present
16.6
Female Householder
No spouse/partner present
20

Marital Status

Among persons 15 and older, 49.4% of males and 55.6% of females were currently married.

Population 15 years and over Percent
Males
Percent
Females
Never married 37.6 22.8
Now married, except separated 49.4 55.6
Separated 1.3 2
Widowed 4.1 7
Divorced 7.5 12.6

Grandparents and Grandchildren

In 95357, 699 grandparents lived with their grandchildren under 18 years old. Of those grandparents, 17% were responsible for the basic needs of their grandchildren.


Nativity and Foreign-Born

In 2020-2024, an estimated 82.6% of the people living in 95357 were U.S. natives. 70.5% of the 95357 population were living in the state where they were born.

Approximately 17.4% of 95357 residents in 2020-2024 were foreign-born. 66.5% of foreign-born were naturalized U.S. citizens and an estimated 96.2 % entered the country before the year 2010.

Foreign-born residents of 95357 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 95357.

Region of Birth for the Foreign-Born Population in 95357 in 2020-2024

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Percent
Latin America 63.2
Asia 26.3
Europe 2.2
Africa 4.5
Northern America 0.8
Oceania 3

Language

Among people at least five years old living in 95357 in 2020-2024, 34.9 % spoke a language other than English at home. Spanish was spoken by 25.4% of people at least five years old; 12% 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 95357 in 2020-2024

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Percent
Spanish 25.4
Other Indo-European languages 1.4
Asian and Pacific Islander languages 3.8
Other languages 4.3

Geographic Mobility

In 2020-2024, 88.9 % of the people at least one year old living in 95357 were living in the same house one year earlier.

Geographic Mobility of Residents of 95357 in 2020-2024

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Percent
Same house 88.9
Different house, same county 6.3
Different county, same state 2.8
Different state 1.5
Abroad 0.4

Education

In 2020-2024, 84.7 % of people 25 years and over had at least graduated from high school and 18.1% had a bachelor's degree or higher. An estimated 15.3% did not complete high school.

The total school enrollment in 95357 was 3,824 in 2020-2024. Nursery school enrollment was 185 and kindergarten through 12th grade enrollment was 2,823. College or graduate school enrollment was 816.

Educational Attainment of People in 95357 in 2020-2024

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Percent
Less than high school diploma 15.3
High school diploma or equivalency 29.8
Some college, no degree 29.6
Associate's degree 7.3
Bachelor's degree 12.8
Graduate or professional degree 5.2

Disability

In 95357, among the civilian noninstitutionalized population in 2020-2024, 10.3 % reported a disability. The likelihood of having a disability varied by age - from 5.1% of people under 18 years old, to 8% of people 18 to 64 years old, and to 31.7% of those 65 and over.


Employment Status and Type of Employer

In 95357, 59.4 % of the population 16 and over were employed; 36.4% were not currently in the labor force.

An estimated 79% of the people employed were private wage and salary workers; 15.9% were federal, state, or local government workers; and 5.1 % were self-employed in their own (not incorporated) business.

Class of worker Number Percent
Private wage and salary workers 4,701 79
Federal, state, or local government workers 947 15.9
Self-employed workers in own not incorporated business 301 5.1

Industries

In 2020-2024, the civilian employed population 16 years and older in 95357 worked in the following industries:

Percent by Industry in 95357 in 2020-2024

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Percent
Agriculture, forestry, fishing and hunting, and mining 5.2
Construction 6.8
Manufacturing 18
Wholesale trade 1.1
Retail trade 9.5
Transportation and warehousing, and utilities 7.1
Information 1.7
Finance and insurance, and real estate and rental and leasing 2.9
Professional, scientific, and management, and administrative and waste management services 6.3
Educational services, and health care and social assistance 25
Arts, entertainment, and recreation, and accommodation, and food services 7.6
Other Services, except public administration 4.5
Public administration 4.3

Occupations

Occupations for the Civilian Employed Population 16 Years and over in 95357 in 2020-2024

Civilian employed population 16 years and over Number Percent
Management, business, sciences, and arts occupations 2,426 40.8
Service occupations 1,044 17.5
Sales and office occupations 837 14.1
Natural resources, construction, and maintenance occupations 647 10.9
Production, transportation, and material moving occupations 995 16.7

Commuting to Work

An estimated 82.5% of 95357 workers drove to work alone in 2020-2024, and 6.3% carpooled. Among those who commuted to work, it took them on average 27.2 minutes to get to work.

Percent of Workers 16 and over Commuting by Mode in 95357 in 2020-2024

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Percent
Car, truck, van -- drove alone 82.5
Car, truck, van -- carpooled 6.3
Public transportation (excluding taxicab) 3.5
Walked 0.5
Other means 1.6
Worked from home 5.6

In 2020-2024, 95357 had a total of 4,259 housing units. Of these housing units, 95.4% 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"). 0% of the housing units were located in multi-unit structures, or those buildings that contained two or more apartments. 4.6% were mobile homes, while any remaining housing units were classified as "other," which included boats, recreational vehicles, vans, etc.

Types of Housing Units in 95357 in 2020-2024

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Percent
Single-family houses 95.4
Apartments in multi-unit structures 0
Mobile homes 4.6
Boat, RV, van, etc 0

3.2% of the housing inventory was comprised of houses built since 2010, while 2.5% of the houses were first built in 1939 or earlier. The median number of rooms in all housing units in 95357 was 5.7 rooms, and of these housing units 85.9% had three or more bedrooms.


In 2020-2024, 95357 had 4,190 housing units that were occupied or had people living in them, while the remaining 69 were vacant. Of the occupied housing units, the percentage of these houses occupied by owners (also known as the homeownership rate) was 71.4% while renters occupied 28.6%. The average household size of owner-occupied houses was 3.15 and in renter-occupied houses it was 3.46.

4.2% of householders of these occupied houses had moved into their house since 2021, while 8% moved into their house in 1989 or earlier. Households without a vehicle available for personal use comprised 1% and another 42.4% had three or more vehicles available for use.

The following chart provides the primary fuel used to heat houses in 95357:

House Heating Fuel Used in 95357 in 2020-2024

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Percent
Gas 63.5
Electricity 30.9
Fuel oil, kerosene, etc 0
All other fuels 4.9
No fuel used 0.7

In 2020-2024, the median property value for owner-occupied houses in 95357 was $445,400.

Of the owner-occupied households, 65.8 % had a mortgage. 34.2% 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 $2,419 and for owners without a mortgage it was $644.

For renter-occupied houses, the median gross rent for 95357 was $2,028. 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.