The story of this market
The typical home in ZIP 95361 sells for about $544,000, or $303 per square foot.
Prices are up +5.5% from a year ago, so sellers still have some momentum. Homes take about 29 days to sell, which is fast. HUD's fair market rent for a two-bedroom is $2,200 a month.
ZIP 95361 — Oakdale
The 95361 housing market remains competitive with a median sale price of $544,000, reflecting a 5.5% year-over-year increase. Low inventory and steady demand from local families and commuters continue to support price stability despite broader economic headwinds. The market is characterized by quick sales, with homes averaging 29 days on the market.
This ZIP is well-suited for family buyers seeking a suburban lifestyle with more space, as well as commuters working in the Modesto area who prefer a small-town atmosphere.
Median prices moved up 5.5% year over year.
Homes spend a median of 29 days on market with 2.5 months of supply — a fast-moving market.
0% of listings have cut prices · homes sell at 100% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 5.2% · poverty 9.8% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.3%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
ZCTA 95361, Stanislaus County CA
The area is served by the Oakdale Joint Unified School District, which generally maintains stable performance ratings within the Stanislaus County region.
The region faces moderate wildfire risk typical of the Central Valley foothills and requires standard hazard insurance coverage.
Economic momentum is driven by agricultural processing, local retail, and its role as a bedroom community for the broader Modesto and Central Valley employment hubs.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (California) — Mello-Roos Community Facilities Act Special Parcel Tax Assessment: Levies an annual direct, non-ad valorem special tax directly on the parcel's secured property tax bill to fund designated community infrastructure (e.g., roads, sewer facilities, school facilities, emergency services) and repay municipal debt bonds. State (California) — California Homeowners' Property Tax Exemption: Reduces the taxable assessed value of the qualifying owner-occupied principal residence by $7,000 against the county assessment roll, generating a direct tax savings of approximately $70 annually (computed as $7,000 × 1% base rate). State (California) — California Proposition 13 Ad Valorem Real Property Tax: Establishes a base ad valorem tax rate capped at 1.0% of assessed value plus voter-approved local indebtedness and direct assessments (typically resulting in an effective tax rate of 1.1% to 1.25%).
Residents primarily commute via Highway 108/120 toward Modesto and the broader Central Valley employment centers; public transit options are limited.
The area features access to the Stanislaus River for water recreation, local parks like Dorada Park, and proximity to regional golf courses and shopping in downtown Oakdale.
The rental market is characterized by steady demand from families and commuters, with limited vacancy pressure and a mix of single-family rentals and apartment complexes.
The local economy is anchored by agriculture, food processing, and regional retail services, with many residents commuting to Modesto for professional employment.
The area is served by Highway 108/120, which acts as the primary corridor for regional transit and commuting to the Modesto metropolitan area.
Development is primarily focused on low-density residential expansion and small-scale commercial infill within the Oakdale city limits.
Parcels are subject to Stanislaus County property tax assessments and various local school and utility district levies.
Property insurance premiums are influenced by regional wildfire risk assessments and standard California market conditions.
Data retrieved from US Census Bureau ZCTA-level tables.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
A local community park providing green space and recreational facilities.
Provides regional access for fishing, swimming, and boating.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.