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City · 23,194 residents · Stanislaus County, California

Oakdale , California

In Oakdale, a typical home is worth $457,900 and typical rent is $1,559 a month. Home values, rent and income are very close to those of all of Stanislaus County.

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  • Typical home value

    $457,900

    About the same as the county

    38% below California

    • Oakdale
    • Stanislaus
    • California

  • Typical rent

    $1,559a month

    4% below the county

    23% below California

    • Oakdale
    • Stanislaus
    • California

  • Typical household income

    $83,091a year

    About the same as the county

    16% below California

    • Oakdale
    • Stanislaus
    • California

  • Households that own their home

    63%

    1 points above the county

    7 points above California

    • Oakdale
    • Stanislaus
    • California

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$551,161
1.4% more than 12 months ago
Typical rent
$2,006 a month
0.6% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Oakdale 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

Data updated: October 1, 2026 11 official sources

The homes here

Housing in Oakdale

What homes there are in Oakdale, 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

The detached house is the most common home in Oakdale: 76% of homes, near the figure in Stanislaus County (76%).

Year built

The typical home in Oakdale was built in 1988, 7 years after the typical one in Stanislaus County.

Much as in Stanislaus County, 70% of homes in Oakdale have 3 bedrooms or more.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,308 a month

Stanislaus County: $2,160 a month

Without a mortgage

$619 a month

Stanislaus County: $696 a month

Owners with a mortgage

70%

Stanislaus County: 66%

In Oakdale, 70% of owners have a mortgage, and their typical cost is $2,308 a month, against $2,160 in Stanislaus County. Without one it drops to $619.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Oakdale rose 48% since 2015–2019, less than in Stanislaus County (54%).

Rents in Oakdale rose at about the same pace as in Stanislaus County: 42% since 2015–2019, against 41%.

The typical household income in Oakdale rose 29%: less than home values (+48%) and rent (+42%).

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureOakdaleStanislaus CountyCaliforniaUnited States
Rental vacancy Unreliable estimate2.9%4.2%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room Unreliable estimate7.7%8.2%3.4%
People per household 2.783.082.842.53
Drive alone 78%77%66%69%
Carpool 11%11%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 9%8%17%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Oakdale are smaller: 2.78 people on average; in Stanislaus County, 3.08.

To get to work, 78% of workers in Oakdale drive alone; in Stanislaus County, 77%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Oakdale?

A typical home costs more than the typical income allows

We start with a typical home in Oakdale, worth $457,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 54% of the typical household income in Oakdale, which is $83,091 a year. For that payment to be 28% of income, a household would need to earn about $160,310 a year.

The calculator's FHA and conventional loan limits are those of all of Stanislaus County.

Your numbers

Local data
$

Starts at the typical home value in Oakdale. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $16,027 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,741

at 7.18% · 30 years

Loan amount
$449,606
Total interest
$646,877
Paid off in
November 2056

Includes $7,733 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,939 a month

  • Tight

    $1,939 to $2,493 a month

  • Hard

    more than $2,493 a month

    Your payment · 54%

Compared with the typical household income in Oakdale ($83,091 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,741
Principal & interest$3,046
Property tax$301
Home insurance$191
FHA mortgage insurance (MIP)$203

You need at least $16,027 for the down payment, plus closing costs.

Next step

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.

The city and its county

Oakdale and Stanislaus County

Oakdale 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).

Oakdale's own numbers

Typical home value
$457,900
Typical monthly rent
$1,559
Typical yearly household income
$83,091
Households that own their home
63%
Effective property tax rate
0.79%

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.

Everything about Stanislaus County

Buying

Buying a home in Oakdale

A typical home in Oakdale is worth $457,900: about the same as the county and 38% below California. With the typical household income in Oakdale ($83,091 a year), a typical home costs 5.5 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.

  • Oakdale 5.5 years
  • Stanislaus 5.5 years
  • California 7.4 years
  • United States 4.1 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.

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

Oakdale 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
  • Oakdale $457,900
  • Stanislaus $450,100
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Oakdale $1,559
  • Stanislaus $1,623
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Oakdale $83,091
  • Stanislaus $81,468
  • California $99,122
  • United States $80,734
See the full table
Oakdale next to Stanislaus County and California
Measure Oakdale Stanislaus County California U.S.
Typical home value $457,900 $450,100 $734,700 $332,700
Typical monthly rent $1,559 $1,623 $2,036 $1,413
Typical yearly household income $83,091 $81,468 $99,122 $80,734
Households that own their home 63% 61% 56% 65%
Typical yearly property tax $3,626 $3,216 $5,124 $3,119
Effective property tax rate 0.79% 0.71% 0.7% 0.94%
Renters with high rent for their income 58% 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 Oakdale

For a typical $457,900 home in Oakdale, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Oakdale's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,741a month

    Least cash to close
    Down payment
    $16,027
    Cash to close
    $29,764
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $203

  • Conventional, 5% down $3,657a month

    Down payment
    $22,895
    Cash to close
    $36,632
    Rate
    7.18%
    Mortgage insurance
    PMI · $218

  • Conventional, 20% down, no PMI $2,974a month

    Down payment
    $91,580
    Cash to close
    $105,317
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,397a month

    Down payment
    $68,685
    Cash to close
    $82,422
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Oakdale and for Stanislaus County.

Property tax

Effective rate in Oakdale

0.79%of the home’s value each year

$3,626 a year for the typical owner in Oakdale.

  • Oakdale 0.79%
  • Stanislaus 0.71%
  • California 0.7%

What California publishes Homeowners' exemption (California State Board of Equalization (BOE))

Exemptions and deadlines in California

Flood risk in Stanislaus County

FEMA does not publish these numbers by city: they are for all of Stanislaus County.

Homes in the high-risk zone
1.4%
2,334
Of those, with NFIP insurance
23%
County California U.S.
Homes in the high-risk zone 1.4% 2.8% 3.5%
Of those, with NFIP insurance 23% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Oakdale

Typical rent in Oakdale is $1,559 a month: 4% below the county. In Oakdale, 58% 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.

HUD fair market rent for all of Stanislaus County

What you need to earn to pay it without spending more than 30% of income, working full time.

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 Oakdale

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Oakdale is in ZIP code 95361.

For 2 bedrooms it is $1,770: $33 less than the fair market rent for Stanislaus County ($1,803).

  • 95361 $1,770$2,370

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Oakdale 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Oakdale

HUD lists 6 buildings with rents for lower incomes in Oakdale. These are the largest.

  • Oakdale Senior Center 470 E A St, Oakdale 95361 80 low-income homes · 1 bd: 64 · 2 bd: 16 · In service since 1993
  • Oak Leaf Meadows 636 Pedersen Rd, Oakdale 95361 56 homes, 55 low-income · 2 bd: 38 · 3 bd: 18 · In service since 2020 · For families
  • Heritage Oak Senior Apts 730 Old Stockton Rd, Oakdale 95361 50 homes, 49 low-income · 1 bd: 40 · 2 bd: 10 · In service since 2012 · For older adults
  • Oakdale Apartments 30 N Lee Ave, Oakdale 95361 42 homes, 41 low-income · 1 bd: 16 · 2 bd: 24 · 3 bd: 2 · In service since 2016
  • Garden Apts 40 N Lee Ave, Oakdale 95361 41 low-income homes · 1 bd: 32 · 2 bd: 10 · In service since 2013

See all 50 buildings in Stanislaus County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Oakdale

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.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Oakdale

No down payment, repair or rent-help program on our list is for Oakdale or Stanislaus County. The ones below are statewide in California: they work in Oakdale the same as in the rest of the state.

Which programs do I qualify for? All programs in California

  • MyHome Assistance Program

    Statewide in California

    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).

    Deferred

    See the program Official page

  • California Dream For All Shared Appreciation Loan

    Statewide in California

    Closed, per the source

    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).

    Shared appreciation

    See the program Official page

  • MyAccess Program

    Statewide in California

    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).

    Deferred

    See the program Official page

Housing counselors near Oakdale

The HUD-approved agencies closest to the center of Oakdale, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Habitat for Humanity, Stanislaus County

    2260 Tenaya Dr, Modesto · 11 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (209) 575-4585

  • Visionary Home Builders of California

    315 N San Joaquin St, Stockton · 28 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 3 more
    (209) 466-6811

  • NSC (naca Counseling Subsidiary) - Sacramento, CA

    3336 Bradshaw Rd Ste 100, Sacramento · 61 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    425-892-6222-1385

Every agency in Stanislaus County All counseling agencies in California

Help in Spanish near Oakdale

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Oakdale

In HUD’s record, no housing authority with an office in Stanislaus County is named for Oakdale or Stanislaus County.

2 other authorities have an office in Stanislaus County: see the list Source: HUD

Cities

Other cities in Stanislaus County

These cities are also in Stanislaus County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Stanislaus County Housing in California

Nearby cities

The cities closest to Oakdale, with the typical home value.

Neighboring counties

If Stanislaus County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Oakdale.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Oakdale

Short answers with the numbers for Oakdale 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 Oakdale?

The typical home value in Oakdale is $457,900, 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 Oakdale?

Typical rent in Oakdale is $1,559 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 Oakdale?

Oakdale 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 Oakdale?

The typical homeowner in Oakdale pays $3,626 a year, according to the U.S. Census Bureau. That is 0.79% of the home’s value; in Stanislaus County, the rate is 0.71%.

Where can I find free help to buy or rent in Oakdale?

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.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).