95386 (Waterford) housing market data
The median home in ZIP 95386 in Waterford sold for $444,572 in the three months to September 2026, +7.1% on a year earlier. 22 homes sold, taking a median 29 days, at 100.1% of list price on average. The Stanislaus County median was $486,411.
Most homes sell near or above asking within a month, so buyers have little room to negotiate and sellers can hold firm on price.
100.1% of list price on average · 18% sold above asking · 29 days on market · 3.2 months of supply, ZIP 95386 in Waterford. How we decide
95386 home prices
Among the 20 Stanislaus County ZIP codes with at least 10 sales, 95386 has the 16th highest median price and the 13th fastest sales.
How fast homes sell in 95386
Buyers and sellers in 95386
| Sold above list price | 18.2% |
|---|---|
| Went under contract within two weeks | 26.7% |
| New listings in three months | 36 |
| Homes for sale | 23 |
| Months of supply | 3.2 |
95386 prices by property type
| Type | Median price | 1 year | Days on market | Sold |
|---|---|---|---|---|
| Single Family | $444,590 | +8.4% | 29 | 22 |
What it costs to buy in 95386
At the median price and this week's average 30-year rate, a buyer putting 20% down pays about $2,794 a month in principal, interest and base property tax, before insurance, HOA dues and any special taxes. Lenders commonly cap housing costs at 28% of gross income, which points to a household income of about $119,755. That is 1.6 times the median household income of $73,196. The Census puts the median rent at $1,593 a month, so owning the median home costs about $1,201 a month more than renting, before tax deductions and equity.
| Median sale price | $444,572 |
|---|---|
| 20% down payment | $88,914 |
| Principal and interest, 30-year fixed at 7.24% | $2,424 a month |
| Property tax at the 1% Prop 13 base | $370 a month |
| Household income needed (28% guideline) | $119,755 a year |
| Median household income here (Census) | $73,196 a year |
| Median gross rent here (Census) | $1,593 a month |
Who lives in 95386
| Population | 10,666 |
|---|---|
| Median household income | $73,196 |
| Median home value (owners' estimate) | $416,500 |
| Median gross rent | $1,593 a month |
| Homes owner-occupied | 57.4% |
| Housing units | 3,273 |
Nearby ZIP codes
| ZIP | Area | Median price | 1 year | Days on market |
|---|---|---|---|---|
| 95382 | Turlock | $522,347 | +4.0% | 17 |
| 95380 | Turlock | $477,860 | +0.6% | 15 |
| 95368 | Salida | $479,859 | −2.1% | 28 |
| 95367 | Riverbank | $499,853 | −7.3% | 25 |
| 95363 | Patterson | $492,625 | −1.5% | 51 |
| 95361 | Oakdale | $554,837 | −1.8% | 35 |
| 95360 | Newman | $449,868 | +7.8% | 28 |
| 95358 | Modesto | $449,868 | +1.4% | 27 |
Every metric for 95386, month by month
| Three months to | Median price | 1 year | $/sq ft | Sold | New listings | Days on market | Sale-to-list |
|---|---|---|---|---|---|---|---|
| September 2026 | $444,572 | +7.1% | $295 | 22 | 36 | 29 | 100.1% |
| August 2026 | $440,000 | +3.5% | $308 | 19 | 41 | 13 | 98.6% |
| July 2026 | $450,000 | −3.2% | $291 | 19 | 33 | 13 | 99.2% |
| June 2026 | $462,500 | −4.2% | $278 | 20 | 26 | 29 | 98.7% |
| May 2026 | $475,000 | +5.0% | $282 | 22 | 23 | 32 | 100.2% |
| April 2026 | $465,000 | +6.9% | $268 | 21 | 23 | 32 | 100.0% |
| March 2026 | $438,000 | +6.3% | $276 | 17 | 22 | 35 | 100.2% |
| February 2026 | $438,000 | −4.8% | $285 | 19 | 26 | 35 | 99.5% |
| January 2026 | $437,000 | −1.8% | $289 | 18 | 22 | 38 | 98.8% |
| December 2025 | $437,000 | +8.2% | $289 | 20 | 27 | 33 | 98.1% |
| November 2025 | $420,000 | +2.9% | $307 | 15 | 26 | 25 | 95.7% |
| October 2025 | $410,000 | −1.2% | $324 | 13 | 22 | 25 | 95.1% |
| September 2025 | $415,000 | −3.5% | $294 | 18 | 21 | 32 | 95.4% |
Taxes and costs
Property tax, transfer tax, Mello-Roos and insurance work the same across Stanislaus County; see the county page for the rules.
95386 housing market,
answered.
What is the median home price in 95386?+
$444,572 for homes sold in the three months to September 2026 (Redfin), −8.6% against the Stanislaus County median.
Are home prices going up in 95386?+
The three-month median is +7.1% on a year earlier. With 22 sales in the period, a few unusual sales can move a ZIP median, so read it alongside the county trend.
How fast do homes sell in 95386?+
A median 29 days from listing to accepted offer, against 31 across Stanislaus County.
What area is ZIP 95386?+
ZIP 95386 is in Waterford, Stanislaus County, California.
How this data works
Redfin Data Center figures from the Redfin Data Center. ZIP figures are rolling three-month periods; Redfin uses them because single months in one ZIP are too few sales to be reliable. The area name is from Zillow's ZIP data. The compilation is ours.