City · 49,342 residents · Stanislaus County, California
Ceres, California
In Ceres, a typical home is worth $424,800 and typical rent is $1,639 a month. Compared with all of Stanislaus County, the typical home value is 6% lower.
Typical home value from Zillow, September 2021 to September 2026: from $396,068 to $447,899.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Ceres is in Stanislaus County. The FHA loan limit ($545,100 for a one-unit home), the fair market rents and the help on this page are those of all of Stanislaus County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in West Modesto, the typical home value is $304,700: 28% less than in Ceres ($424,800).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Ceres
What homes there are in Ceres, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Ceres
Stanislaus County
California
United States
Kind of home: Ceres and its comparisons
Measure
Ceres
Stanislaus County
California
United States
Detached house
77%
76%
57%
61%
Attached house
3%
4%
7%
6%
Building of 2 to 4
4%
6%
8%
8%
Apartments (5 or more)
10%
10%
24%
19%
Mobile home
5%
4%
4%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
The detached house is the most common home in Ceres: 77% of homes, near the figure in Stanislaus County (76%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Ceres
Stanislaus County
California
United States
Year built: Ceres and its comparisons
Measure
Ceres
Stanislaus County
California
United States
Before 1960
12%
20%
27%
26%
1960–1979
27%
28%
29%
24%
1980–1999
34%
31%
25%
25%
2000–2009
24%
16%
11%
14%
2010 or later
3%
5%
8%
11%
Here half of the homes date from 1986 or later; in Stanislaus County, from 1981 or later.
Homes in Ceres are bigger: 78% have 3 bedrooms or more; in Stanislaus County, 69%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K8%
$100K–$200KUnreliable
$200K–$300K7%
$300K–$500K56%
$500K–$750K20%
$750K–$1M5%
$1M or moreUnreliable
Value of owner-occupied homes: Ceres and its comparisons
Measure
Ceres
Under $100K
8%
$100K–$200K
Unreliable estimate
$200K–$300K
7%
$300K–$500K
56%
$500K–$750K
20%
$750K–$1M
5%
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99917%
$1,000–$1,49920%
$1,500–$1,99934%
$2,000–$2,49917%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Ceres and its comparisons
Measure
Ceres
Under $500
Unreliable estimate
$500–$999
17%
$1,000–$1,499
20%
$1,500–$1,999
34%
$2,000–$2,499
17%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$2,016 a month
Stanislaus County: $2,160 a month
Without a mortgage
$681 a month
Stanislaus County: $696 a month
Owners with a mortgage
65%
Stanislaus County: 66%
Owning costs less in Ceres: with a mortgage, the typical cost is $2,016 a month; in Stanislaus County, $2,160. Without one, $681.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Ceres+57%
Stanislaus County+54%
California+46%
United States+53%
Typical rent
Ceres+38%
Stanislaus County+41%
California+36%
United States+33%
Typical household income
Ceres+35%
Stanislaus County+34%
California+32%
United States+29%
Change since 2015–2019: Ceres and its comparisons
Measure
Ceres
Stanislaus County
California
United States
Typical home value
+57%
+54%
+46%
+53%
Typical rent
+38%
+41%
+36%
+33%
Typical household income
+35%
+34%
+32%
+29%
From 2015–2019 to 2020–2024, home values in Ceres rose at about the same pace as in Stanislaus County: 57% against 54%.
Rents in Ceres rose more slowly than in Stanislaus County: 38% since 2015–2019, against 41%.
The typical household income in Ceres rose 35% over that time; home values changed +57% and rent +38%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Ceres and its comparisons
Measure
Ceres
Stanislaus County
California
United States
Rental vacancy
Unreliable estimate
2.9%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
0.8%
0.9%
More than one person per room
8.9%
7.7%
8.2%
3.4%
People per household
3.49
3.08
2.84
2.53
Drive alone
82%
77%
66%
69%
Carpool
10%
11%
10%
9%
Public transit
Unreliable estimate
1%
3%
3%
Walk or bike
Unreliable estimate
2%
3%
3%
Work from home
6%
8%
17%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
In Ceres, 8.9% of households live with more than one person per room, against 7.7% in Stanislaus County.
Households in Ceres are bigger: 3.49 people on average; in Stanislaus County, 3.08.
In Ceres, 82% of workers drive alone to work; in Stanislaus County, 77%.
Do the math
What would you pay each month for a home in Ceres?
A typical home costs more than the typical income allows
We start with a typical home in Ceres, worth $424,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 52% of the typical household income in Ceres, which is $79,025 a year. For that payment to be 28% of income, a household would need to earn about $146,294 a year.
The calculator's FHA and conventional loan limits are those of all of Stanislaus County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Ceres. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $14,868 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$3,414
at 7.18% · 30 years
Loan amount
$417,106
Total interest
$600,117
Paid off in
November 2056
Includes $7,174 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,844 a month
Tight
$1,844 to $2,371 a month
Hard
more than $2,371 a month
Your payment · 52%
Compared with the typical household income in Ceres ($79,025 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,826
Property tax
$223
Home insurance
$177
FHA mortgage insurance (MIP)
$188
You need at least $14,868 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $3,414; principal and interest $2,826.
The city and its county
Ceres and Stanislaus County
Ceres is in Stanislaus County, California. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Ceres
Map of Stanislaus County, California, with Ceres marked. Around it, the neighboring counties.
Ceres
Stanislaus County
Other cities with a page
Ceres's own numbers
Typical home value
$424,800
Typical monthly rent
$1,639
Typical yearly household income
$79,025
Households that own their home
64%
Effective property tax rate
0.63%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Stanislaus County
FHA limit, one-unit home
$545,100
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,803
Price change over 5 years (FHFA)
+41%
Homes in a high flood-risk zone
1.4%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Stanislaus County.
A typical home in Ceres is worth $424,800: 6% below the county and 42% below California. With the typical household income in Ceres ($79,025 a year), a typical home costs 5.4 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Ceres5.4 years
Stanislaus5.5 years
California7.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Stanislaus County
According to FHFA’s house price index, home prices in Stanislaus County rose 98% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Stanislaus County.
Yearly change in FHFA’s price index in Stanislaus County, 2016 to 2025
2016: +9.3% +9.3% 2016
2017: +8.2% +8.2% 2017
2018: +8.4% +8.4% 2018
2019: +4.6% +4.6% 2019
2020: +4.8% +4.8% 2020
2021: +16.2% +16.2% 2021
2022: +13.9% +13.9% 2022
2023: +0.5% +0.5% 2023
2024: +4.3% +4.3% 2024
2025: +1.4% +1.4% 2025
Change in FHFA’s price index in Stanislaus County, California and the United States
Period
County
California
U.S.
Last year (2025)
+1.4%
+0.8%
+2.9%
5 years (2020–2025)
+41%
+40%
+47%
10 years (2015–2025)
+98%
+80%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Ceres next to Stanislaus County, California and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Ceres$424,800
Stanislaus$450,100
California$734,700
United States$332,700
Typical monthly rent
Ceres$1,639
Stanislaus$1,623
California$2,036
United States$1,413
Typical yearly household income
Ceres$79,025
Stanislaus$81,468
California$99,122
United States$80,734
See the full table
Ceres next to Stanislaus County and California
Measure
Ceres
Stanislaus County
California
U.S.
Typical home value
$424,800 ▼6% below the county
$450,100
$734,700
$332,700
Typical monthly rent
$1,639
$1,623
$2,036
$1,413
Typical yearly household income
$79,025 ▼3% below the county
$81,468
$99,122
$80,734
Households that own their home
64% ▲3 points above the county
61%
56%
65%
Typical yearly property tax
$2,665 ▼17% below the county
$3,216
$5,124
$3,119
Effective property tax rate
0.63% ▼0.08 points below the county
0.71%
0.7%
0.94%
Renters with high rent for their income
54%
54%
55%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Stanislaus County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Ceres
For a typical $424,800 home in Ceres, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ceres's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,414a month
Least cash to close
Down payment
$14,868
Cash to close
$27,612
Rate
7.18%
Mortgage insurance
FHA MIP · $188
Conventional, 5% down$3,336a month
Down payment
$21,240
Cash to close
$33,984
Rate
7.18%
Mortgage insurance
PMI · $202
Conventional, 20% down, no PMI$2,702a month
Down payment
$84,960
Cash to close
$97,704
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,095a month
Down payment
$63,720
Cash to close
$76,464
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Ceres
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,414
$14,868
$417,106
7.18%
FHA MIP · $188
$27,612
580
Conventional, 5% down
$3,336
$21,240
$403,560
7.18%
PMI · $202
$33,984
620*
Conventional, 20% down, no PMI
$2,702
$84,960
$339,840
7.18%
None
$97,704
620*
ITIN, 15% down (example)
$3,095
$63,720
$361,080
8.18%
None
$76,464
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Ceres is $1,639 a month: about the same as the county. In Ceres, 54% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Stanislaus County, by unit size. To pay the 2-bedroom one ($1,803 a month) without spending more than 30% of your income, you would need to earn $34.67 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Stanislaus County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,276
$24.54
$51,040
1 bedroom
$1,378
$26.50
$55,120
2 bedrooms
$1,803
$34.67
$72,120
3 bedrooms
$2,410
$46.35
$96,400
4 bedrooms
$2,827
$54.37
$113,080
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Ceres
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ceres has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,770 in 95307 to $1,820 in 95358.
1 of the 2 is above the fair market rent for Stanislaus County ($1,803).
Fair market rent by ZIP code and size in Ceres, fiscal year 2027.
95307
$1,250
$1,350
$1,770
$2,370
$2,780
95358
$1,290
$1,390
$1,820
$2,430
$2,850
ZIP code2 bd3 bd
95307 $1,770$2,370
95358 $1,820$2,430
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Ceres when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 5 buildings with rents for lower incomes in Ceres. These are the largest.
Casa Grande Apartments3100 E Whitmore Ave, Ceres 95307100 low-income homes · 1 bd: 8 · 2 bd: 36 · 3 bd: 52 · 4 bd: 4 · In service since 2014 · For families(209) 537-4527
Ceres Christian Terrace1859 Richard Way, Ceres 9530767 low-income homes · For older adults(209) 537-5712
Whitmore Oaks Apts2617 Blaker Rd, Ceres 9530753 homes, 52 low-income · 1 bd: 42 · 2 bd: 11 · In service since 2003 · For older adults
Almond Terrace2004 Evans Rd, Ceres 9530746 low-income homes · 2 bd: 30 · 3 bd: 14 · 4 bd: 2 · In service since 2003 · For families(209) 537-5959
River Crest2809 Della Dr, Ceres 9530736 homes, 35 low-income · 2 bd: 4 · 3 bd: 28 · 4 bd: 4 · In service since 2005 · For families
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There is 1 HUD-approved agency with an office in Stanislaus County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Ceres or Stanislaus County. The ones below are statewide in California: they work in Ceres the same as in the rest of the state.
CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers in California.Offered by California Housing Finance Agency (CalHFA).
CalHFA down payment loan for first-generation buyers in California; when you sell, you repay the loan plus a share of the home's appreciation.Offered by California Housing Finance Agency (CalHFA).
CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers who use the CalPLUS Access mortgage (FHA or conventional).Offered by California Housing Finance Agency (CalHFA).
No legal help resource on our list is for Ceres or Stanislaus County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Ceres and all of Stanislaus County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Ceres?
The typical home value in Ceres is $424,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Stanislaus County it is $450,100.
How much does it cost to rent in Ceres?
Typical rent in Ceres is $1,639 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Stanislaus County is $1,803.
What is the FHA loan limit in Ceres?
Ceres uses the FHA limit for all of Stanislaus County (2026): $545,100 for a one-unit home and $1,048,300 for a four-unit home.
How much property tax do owners pay in Ceres?
The typical homeowner in Ceres pays $2,665 a year, according to the U.S. Census Bureau. That is 0.63% of the home’s value; in Stanislaus County, the rate is 0.71%.
Where can I find free help to buy or rent in Ceres?
There is 1 HUD-approved counseling agency with an office in Stanislaus County. They can help you get ready to buy, with your credit, or with rent.
