Stanislaus County

Modesto, CA mortgage rates

Stanislaus County's affordable valley hub.

Modesto anchors Stanislaus County just south of San Joaquin, offering established neighborhoods and Central Valley affordability along Highway 99.

A more affordable alternative to San Joaquin County with a similar Central Valley cost profile.
Established housing stock makes it common ground for first-time buyers and move-up buyers alike.

Modesto rates — no strings

ZIP 95350 prefilled

Purchase price

Loan$640,000

Down payment

ZIP code

Credit score780+ · Excellent

Population

218,614

Median household income

$77,899

Market figures are from the cited third-party sources and are provided for general information; they update over time and are not a quote.

2026 conforming loan limit (1-unit) in Stanislaus County: $832,750 Loans at or below this stay in conventional (non-jumbo) pricing. Going higher? See jumbo options. All 58 California county limits for 2026, 1–4 units.

Live pricing for Stanislaus County across 50+ wholesale lenders — no name, email, or SSN.