HomeCaliforniaStanislaus CountyModesto city
Modesto city, California: commercial real estate data.
Modesto city 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.
82 sourced place values · tier FULL · 9 sections · 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$1,675,000
- 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
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
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Modesto
Flood risk in Modesto
- Listed NFIP communities1
- Of those, participating1
- NFIP community number060387
- Currently effective map date08/24/21
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Stanislaus County, not Modesto
Stanislaus County context, not Modesto figures
These are Stanislaus County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Modesto measurements.
- Establishments in Stanislaus County10,013
- Employment at those establishments, Stanislaus County152,942
- Covered employment, Stanislaus County199,396
- Average annual pay, Stanislaus County$63,795
- Average weekly wage, Stanislaus County$1,227
- Housing units permitted, Stanislaus County902
- Of those, single family, Stanislaus County833
- County product, 2024, Stanislaus County$32,065,240,000
- County product change over the prior year, Stanislaus County7.1 percent
- Average income of an arriving household, Stanislaus County$62,846
Every figure in this section is published for Stanislaus County as a whole and is not a measurement of Modesto. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
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 totalling $131.1 m, across 51 lenders, median approval $300,000, plus 119 504 approvals worth $94.8 m. 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 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 labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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