WhereCanIAfford › Modesto, CA › On $150,000

Is Modesto, CA affordable on a $150,000 salary?

YES On $150,000/yr, the typical $463,691 home in Modesto, CA needs $142,403/yr ($3,323/mo). Your gap: +$7,597 — housing would be 26.6% 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. On $150,000 you already clear it by $7,597.

On $125,000? On $175,000? On $200,000?

See the full Modesto, CA affordability breakdown → or every metro you can afford on $150,000 →