HomeCaliforniaStanislaus CountyModesto
Modesto, California: commercial real estate data.
Modesto is a Census city of 219,215 people across 43.36 square miles of land, in Stanislaus County. Median household income is $79,891, 58.9 percent of occupied homes are owned, and the SBA record carries 199 7(a) approvals to borrowers here worth $131.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Modesto
What Modesto is
- Census place typecity
- Land area43.36 sq mi
- Water area1.83 sq mi
- Population per square mile of land5,056
- County holding the largest share of its areaStanislaus County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Modesto
How many people live in Modesto
- Population219,215
- Median age35.1
- Population under 1857,539
- Share under 1826.2 percent
- Population 65 and over31,578
- Share 65 and over14.4 percent
- Households72,989
- Family households51,271
- Share of households that are families70.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Modesto
Income and work in Modesto
- Median household income$79,891
- Per capita income$35,523
- Civilian labor force103,326
- Employed95,882
- Unemployed7,444
- Unemployment rate7.2 percent
- Adults 25 and over143,086
- Adults 25 and over with a high school diploma or higher82.8 percent
- Adults 25 and over with a bachelor degree or higher21.2 percent
- Adults 25 and over with a graduate degree6.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Modesto
Housing in Modesto
- Housing units75,752
- Occupied units72,989
- Vacant units2,763
- Vacancy rate3.6 percent
- Owner occupied42,973
- Renter occupied30,016
- Ownership rate58.9 percent
- Median owner-occupied home value$442,700
- Median gross rent, monthly$1,690
- Annual rent as a share of median income25.4 percent
- Single family units58,110
- Share single family76.7 percent
- Units in buildings of two or more15,853
- Share in buildings of two or more20.9 percent
- Mobile homes1,783
- Median year structure built1978
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Modesto
How Modesto gets to work
- Workers 16 and over who commute84,700
- Commuting under 15 minutes24,262
- Share commuting under 15 minutes28.6 percent
- Commuting 30 minutes or more29,736
- Share commuting 30 minutes or more35.1 percent
- Drove alone74.9 percent
- Carpooled11.6 percent
- Public transport1.6 percent plus or minus 0.4
- Walked1.2 percent plus or minus 0.4
- Worked from home8.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Modesto
SBA loans in Modesto (7(a))
- Approvals199
- Gross approval$131,112,700
- Average approval$658,858
- Median approval$300,000
- Ninetieth percentile approval$1,575,000
- Largest approval$5,000,000
- Jobs supported2,260
- Jobs per approval11.4
- Loans with a final outcome33
- Paid in full29
- Charged off4
- Charge-off rate over resolved loans12.1 percent
- Median term120 months
- Share on real estate terms of 20 years or more25.6 percent
- Share to franchises15.1 percent
- Distinct lenders51
- Distinct industries by NAICS90
Counted by borrower city: approvals to borrowers whose address is in Modesto, in any county, FY2020 to FY2026.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Modesto
SBA loans in Modesto (504)
- Approvals119
- Gross approval$94,835,000
- Average approval$796,933
- Median approval$455,000
- Largest approval$5,000,000
- Jobs supported979
- Loans with a final outcome34
- Charged off0
- Charge-off rate over resolved loans0.0 percent
- Median term240 months
- Distinct CDCs13
Counted by borrower city: approvals to borrowers whose address is in Modesto, in any county, FY2010 to FY2026.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Modesto
Flood risk in Modesto
- NFIP communityCity of Modesto
- NFIP community number060387
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date08/24/21
The City of Modesto participates in the National Flood Insurance Program as community 060387 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Stanislaus County, not Modesto
Stanislaus County context, not Modesto figures
- Establishments in Stanislaus County10,013
- Covered employment, Stanislaus County199,396
- Average annual pay, Stanislaus County$63,795
- Housing units permitted, Stanislaus County902
Every figure in this section is published for Stanislaus County as a whole and is not a measurement of Modesto.
All Stanislaus County figures →
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Modesto questions, answered from the record.
How many people live in Modesto, California?
219,215, in 72,989 households. Modesto city covers 43.36 square miles of land, which is 5,056 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Modesto in?
Stanislaus County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Modesto?
$79,891. The median owner-occupied home is valued at $442,700. Median gross rent is $1,690 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Modesto businesses?
199 7(a) approvals totaling $131.1 m since FY2020, across 51 lenders, median approval $300,000, plus 119 504 approvals worth $94.8 m since FY2010. These count approvals to borrowers whose address is in Modesto, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Modesto borrowers get paid back?
Of the 33 loans that have reached a final outcome, 29 were paid in full and 4 charged off, a charge off rate of 12.1 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is Modesto in the National Flood Insurance Program?
Yes. Modesto appears in the FEMA Community Status Book as Modesto, city of, community 060387, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Modesto figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Stanislaus County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Modesto.
Is zoning published for Modesto?
No. Nothing on this page presents parcel level zoning.
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