Zip lookup · CA

95380
Turlock, California.

Turlock, Stanislaus County, CA · Modesto, CA metro · population 43,960

What it costs per month · 95380 $2,316/mo

to buy the typical home at today's mortgage rate — +$1,160 (+100%) since Jan 2020.

What the home itself did
1 year
Up $3,793 +1%
$437,379$441,171 since Sep 2025
5 years
Up $43,827 +11%
$397,345$441,171 since Sep 2021

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$500 $1,000 $1,500 $2,000 $2,500 2002 2006 2010 2014 2018 2022 2026 95380 $2,316 United States $1,922
$500 $1,000 $1,500 $2,000 $2,500 2002 2010 2018 2026
  • 95380$2,316
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 33 years.

Typical home values in zip 95380 rose 0.9% over the past year — slower than the nation's +1.2%.

Asking rents in zip 95380 rose 2.4% over the past year — slower than the nation's +2.7%.

Owning the typical home in zip 95380 runs $1,209/mo more than renting one. The gap peaked at $1,405 in Oct 2023.

That is $3,047 a month against $1,838 rent: a $2,316 mortgage payment, plus $259 property tax and $472 insurance & upkeep.

Owning vs renting — zip 95380

The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.

$1,500 $2,000 $2,500 $3,000 2022 2023 2024 2025 2026 Owning all in $3,047 Renting $1,838 Mortgage only $2,316
$1,500 $2,000 $2,500 $3,000 2022 2024 2026
  • Owning all in$3,047
  • Renting$1,838
  • Mortgage only$2,316

Property tax · $259/mo 0.70% of value a year — the ACS 2020-2024 median bill over the median home value for 2 counties

Insurance & upkeep · $472/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.

Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.

This zip spans 2 counties: Stanislaus County, CA 75% · Merced County, CA 25%

Zillow also publishes an index for the city itself: Turlock, CA — measured over the city limits, which is a different area from this zip.

Asking rent $1,838 as of Sep 2026
+2.4%year on year
Typical home value $441,171 as of Sep 2026
+0.9%year on year

Asking rent — 95380

Against the Modesto, CA metro and the national benchmark.

$1,500 $1,750 $2,000 2022 2023 2024 2025 2026 95380 $1,838 Modesto $2,068 United States $1,932
$1,500 $1,750 $2,000 2022 2024 2026
  • 95380$1,838
  • Modesto$2,068
  • United States$1,932

Typical home value — 95380

Mid-tier homes, smoothed and seasonally adjusted.

$250,000 $300,000 $350,000 $400,000 $450,000 2018 2019 2020 2021 2022 2023 2024 2025 2026 95380 $441,171 Modesto $461,114 United States $366,157
$250,000 $300,000 $350,000 $400,000 $450,000 2018 2022 2026
  • 95380$441,171
  • Modesto$461,114
  • United States$366,157

Within 20 miles

10 mi 20 mi 50 mi
Miles Zip City Population Rent Home value
4.0 95382 Turlock 39,083 $2,363 $508,837
5.6 95324 Hilmar 7,636 — $481,959
6.3 95328 Keyes 4,133 — $428,931
6.3 95315 Delhi 13,598 — $412,312
7.4 95307 Ceres 46,310 $1,960 $447,756
8.2 95326 Hughson 10,593 — $548,700
9.6 95313 Crows Landing 1,119 — $717,661
10.5 95303 Ballico 784 — $764,390
10.8 95374 Stevinson 1,921 — $644,753
11.0 95334 Livingston 17,363 — $420,122
11.0 95319 Empire 1,327 — $354,006
11.0 95316 Denair 8,022 — $549,195
12.6 95354 Modesto 25,684 $1,736 $392,728
12.6 95351 Modesto 48,498 $1,725 $373,536
13.5 95360 Newman 13,779 $1,600 $431,588
13.7 95357 Modesto 13,599 $2,398 $500,525
13.9 95323 Hickman 1,644 — $608,245
14.5 95355 Modesto 60,710 $2,112 $485,048
15.4 95388 Winton 13,319 — $361,126
15.7 95350 Modesto 57,136 $1,977 $421,365
16.1 95358 Modesto 30,469 $2,575 $426,585
16.6 95301 Atwater 43,009 $1,853 $418,334
18.4 95367 Riverbank 25,593 $2,328 $480,535
19.1 95386 Waterford 10,666 — $426,591
19.1 95356 Modesto 33,233 $2,070 $516,305

Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.