WhereCanIAfford › Modesto, CA › On $425,000

Is Modesto, CA affordable on a $425,000 salary?

YES On $425,000/yr, the typical $469,758 home in Modesto, CA needs $141,126/yr ($3,293/mo). Your gap: +$283,874 — housing would be 9.3% of your gross income.

The math

469,758 price − 10% down (46,976) = 422,782 loan
30-yr fixed at 6.69% on 422,782 = 2,725/mo principal+interest
+ 568/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,293/mo PITI ÷ 0.28 = 11,760/mo → 141,126/yr required

against Zillow ZHVI 2026-06 and the 6.69% FRED 30-yr rate (2026-08-06).

What salary WOULD clear Modesto, CA?

You need about $141,126/yr for the typical home. On $425,000 you already clear it by $283,874.

On $400,000? On $450,000? On $475,000?

See the full Modesto, CA affordability breakdown → or every metro you can afford on $425,000 →