95386
Waterford, California.
Waterford, Stanislaus County, CA · Modesto, CA metro · population 10,666
to buy the typical home at today's mortgage rate — +$1,162 (+108%) since Jan 2020.
- 1 year
- Up $2,348 +1%
- $424,243$426,591 since Sep 2025
- 5 years
- Up $46,754 +12%
- $379,837$426,591 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.
- 95386$2,239
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 30 years.
Typical home values in zip 95386 rose 0.6% over the past year — slower than the nation's +1.2%.
Zillow also publishes an index for the city itself: Waterford, CA — measured over the city limits, which is a different area from this zip.
Typical home value — 95386
Mid-tier homes, smoothed and seasonally adjusted.
- 95386$426,591
- Modesto$461,114
- United States$366,157
Within 20 miles
| Miles sorted ascending, activate to sort descending | Zip activate to sort by Zip | City activate to sort by City | Population activate to sort by Population | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|---|
| 5.4 | 95323 | Hickman | 1,644 | — | $608,245 |
| 9.5 | 95316 | Denair | 8,022 | — | $549,195 |
| 11.5 | 95361 | Oakdale | 34,810 | $2,006 | $551,503 |
| 11.9 | 95329 | La Grange | 2,954 | — | $396,620 |
| 13.5 | 95326 | Hughson | 10,593 | — | $548,700 |
| 13.6 | 95357 | Modesto | 13,599 | $2,398 | $500,525 |
| 13.8 | 95319 | Empire | 1,327 | — | $354,006 |
| 14.2 | 95303 | Ballico | 784 | — | $764,390 |
| 14.5 | 95327 | Jamestown | 8,752 | — | $399,713 |
| 15.8 | 95369 | Snelling | 740 | — | $467,171 |
| 15.8 | 95382 | Turlock | 39,083 | $2,363 | $508,837 |
| 17.2 | 95328 | Keyes | 4,133 | — | $428,931 |
| 17.3 | 95355 | Modesto | 60,710 | $2,112 | $485,048 |
| 17.5 | 95388 | Winton | 13,319 | — | $361,126 |
| 17.7 | 95367 | Riverbank | 25,593 | $2,328 | $480,535 |
| 18.4 | 95354 | Modesto | 25,684 | $1,736 | $392,728 |
| 19.0 | 95228 | Copperopolis | 4,611 | — | $525,817 |
| 19.1 | 95315 | Delhi | 13,598 | — | $412,312 |
| 19.1 | 95380 | Turlock | 43,960 | $1,838 | $441,171 |
| 19.3 | 95348 | Merced | 37,540 | $2,157 | $411,072 |
| 19.5 | 95307 | Ceres | 46,310 | $1,960 | $447,756 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.