Modesto home values (September 2026)

The typical home in the Modesto, CA metro is worth $461,114, +0.2% over the last 12 months. Updated monthly from Zillow Research data.

Typical value: $461,114
1-year change: +0.2%
5-year change: +10.6%
10-year change: +77.2%

Typical home value, Modesto metro, last 10 years. Source: Zillow Research (ZHVI).

Where Modesto stands

#24 most expensive of the 100 largest U.S. metros; #69 by 1-year price growth.
1.5% below its peak of $468,043 in July 2022.

Home equity in Modesto

At an 85% combined loan-to-value cap, a typical $461,114 home supports up to $391,947 of total borrowing. With a typical mortgage still owed, about $133,723 of equity would be available as a line of credit. Run your own numbers in the HELOC calculator.

Compare nearby metros

Los Angeles, CA — $950,020 (+1.3% 1-yr)
San Francisco, CA — $1,120,379 (+3.1% 1-yr)
Riverside, CA — $580,321 (+0.6% 1-yr)
San Diego, CA — $926,961 (+0.8% 1-yr)
Miami, FL — $476,815 (+0.3% 1-yr)
Worcester, MA — $476,551 (+2.1% 1-yr)

Frequently asked questions

What is the typical home value in Modesto?

The typical home in the Modesto, CA metro area is worth about $461,114 as of September 2026, according to the Zillow Home Value Index (mid-tier homes, seasonally adjusted). That ranks #24 of the 100 largest U.S. metros.

Are home prices in Modesto going up or down?

Over the past 12 months the typical value changed +0.2% (#69 of 100 large metros by 1-year growth). Over 5 years it changed +10.6%, and over 10 years +77.2%. Values are 1.5% below the peak of $468,043 set in July 2022.

How much home equity could a Modesto homeowner borrow against?

Lenders typically cap combined loan-to-value at about 85%. On a typical $461,114 home that's $391,947 of total borrowing; after a typical existing mortgage (about 56% of value) roughly $133,723 would remain as a line of credit. This is an illustration, not an offer — your figure depends on your own balance, credit and appraisal.

Data: Zillow Research, Zillow Home Value Index (all homes, mid tier, smoothed and seasonally adjusted), September 2026. Equity figures are illustrative. Download the full dataset.