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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

Property type

How will you use it?

$
Loan$640,000
$
%
780+ · Excellent

The Modesto market, by the numbers

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

2025 conforming loan limit in Stanislaus County: $806,500 Loans at or below this stay in conventional (non-jumbo) pricing. Going higher? See jumbo options.

Your Modesto number, not a national average.

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