WhereCanIAfford › Modesto, CA › On $100,000

Is Modesto, CA affordable on a $100,000 salary?

NO On $100,000/yr, the typical $463,691 home in Modesto, CA needs $142,403/yr ($3,323/mo). Your gap: $-42,403 — housing would be 39.9% of your gross income.

The math

463,691 price − 10% down (46,369) = 417,322 loan
30-yr fixed at 6.95% on 417,322 = 2,762/mo principal+interest
+ 560/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,323/mo PITI ÷ 0.28 = 11,867/mo → 142,403/yr required

against Zillow ZHVI 2026-08 and the 6.95% FRED 30-yr rate (2026-09-17).

What salary WOULD clear Modesto, CA?

You need about $142,403/yr for the typical home. That's $42,403 more than $100,000.

On $75,000? On $125,000? On $150,000?

See the full Modesto, CA affordability breakdown → or every metro you can afford on $100,000 →