Appreciation Velocity — Modesto, CA
Home-price appreciation in Modesto, CA plus ZIPs within the city ranked by 1Y growth.
Public Record
Modesto · 1Y appreciation
-8.6%
Modesto · 3Y appreciation
+54.6%
Modesto · 5Y appreciation
+18.9%
Modesto · 10Y appreciation
+66.8%
Top 10 — 5Y appreciation (Zips)
#1 · ZIP 95355
+33.0%
#2 · ZIP 95357
+22.6%
#3 · ZIP 95356
+19.6%
#4 · ZIP 95350
+14.3%
#5 · ZIP 95354
+12.6%
#6 · ZIP 95358
-36.3%
Zip ranking — 5Y appreciation (highest first)
| # | Zip | State | 1Y | 3Y | 5Y | 10Y | Current median |
|---|---|---|---|---|---|---|---|
| 1 | ZIP 95355 | CA | +21.3% | +40.0% | +33.0% | +105.4% | $603.7K |
| 2 | ZIP 95357 | CA | -2.1% | -30.4% | +22.6% | +26.7% | $475K |
| 3 | ZIP 95356 | CA | +18.3% | +8.1% | +19.6% | +181.1% | $715K |
| 4 | ZIP 95350 | CA | -23.3% | -5.3% | +14.3% | +28.8% | $391.7K |
| 5 | ZIP 95354 | CA | -19.6% | -2.1% | +12.6% | +54.0% | $356.6K |
| 6 | ZIP 95358 | CA | -70.9% | -47.4% | -36.3% | -47.2% | $195.5K |
How to read these numbers
Velocity vs. level
A market with 25% one-year appreciation is moving fast — but a market with steady 6% over ten years has compounded much further. Use 10Y as the long-run signal, 1Y as the momentum signal.
Mean-reversion risk
Markets that posted huge 1Y and 3Y gains often cool over the next cycle. Compare 1Y to 5Y: if 1Y is far above 5Y, the trend is accelerating; if far below, it is decelerating — often the more important signal.
Sample sanity
We require a minimum current median price (default $50K) to filter out tiny ZIPs with noisy data. Raise that threshold for serious investment markets; lower it to find emerging niches. Source: public record.