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City · 13,900 residents · Stanislaus County, California

Salida , California

In Salida, a typical home is worth $461,100 and typical rent is $2,081 a month. Compared with all of Stanislaus County, typical rent is 28% higher, typical household income is 17% higher, and the share of households that own their home is 16 points higher.

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  • Typical home value

    $461,100

    2% above the county

    37% below California

    • Salida
    • Stanislaus
    • California

  • Typical rent

    $2,081a month

    28% above the county

    2% above California

    • Salida
    • Stanislaus
    • California

  • Typical household income

    $94,935a year

    17% above the county

    4% below California

    • Salida
    • Stanislaus
    • California

  • Households that own their home

    77%

    16 points above the county

    21 points above California

    • Salida
    • Stanislaus
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$483,799
1.4% less than 12 months ago

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

Salida 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

Only here

What sets Salida apart

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: 34% less than in Salida ($461,100).

  2. Nearby, in West Modesto, the typical rent is $1,432: 31% less than in Salida ($2,081).

  3. 77% of households in Salida own their home, against 61% in Stanislaus County.

  4. The typical rent in Salida is $2,081 a month, 28% more than in Stanislaus County as a whole ($1,623).

  5. The typical household income in Salida is $94,935, 17% more than in Stanislaus County as a whole ($81,468).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Salida

What homes there are in Salida, 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

In Salida, 10 in 10 homes are single-family detached houses; in Stanislaus County, 8.

Year built

Here half of the homes date from 1993 or later; in Stanislaus County, from 1981 or later.

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

$2,272 a month

Stanislaus County: $2,160 a month

Without a mortgage

$715 a month

Stanislaus County: $696 a month

Owners with a mortgage

79%

Stanislaus County: 66%

Owning costs more in Salida: with a mortgage, the typical cost is $2,272 a month; in Stanislaus County, $2,160. Without one, $715.

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

Salida does not have the same boundaries as in 2015–2019: that is why there is no change to compare. For reference, in Stanislaus County the typical home value rose 54%.

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

MeasureSalidaStanislaus 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 3.223.082.842.53
Drive alone 80%77%66%69%
Carpool 12%11%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 7%8%17%15%
Other means Unreliable estimate1%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Salida has 3.22 people on average, about the same as in Stanislaus County (3.08).

In Salida, 80% of workers drive alone to work; 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 Salida?

A typical home costs more than the typical income allows

We start with a typical home in Salida, worth $461,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 49% of the typical household income in Salida, which is $94,935 a year. For that payment to be 28% of income, a household would need to earn about $164,888 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 Salida. 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 $16,139 (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

$3,847

at 7.18% · 30 years

Loan amount
$452,748
Total interest
$651,398
Paid off in
November 2056

Includes $7,787 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,215 a month

  • Tight

    $2,215 to $2,848 a month

  • Hard

    more than $2,848 a month

    Your payment · 49%

Compared with the typical household income in Salida ($94,935 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,847
Principal & interest$3,067
Property tax$384
Home insurance$192
FHA mortgage insurance (MIP)$204

You need at least $16,139 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

Salida and Stanislaus County

Salida 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).

Salida's own numbers

Typical home value
$461,100
Typical monthly rent
$2,081
Typical yearly household income
$94,935
Households that own their home
77%
Effective property tax rate
1%

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 Salida

A typical home in Salida is worth $461,100: 2% above the county and 37% below California. With the typical household income in Salida ($94,935 a year), a typical home costs 4.9 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.

  • Salida 4.9 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

Salida 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
  • Salida $461,100
  • Stanislaus $450,100
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Salida $2,081
  • Stanislaus $1,623
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Salida $94,935
  • Stanislaus $81,468
  • California $99,122
  • United States $80,734
See the full table
Salida next to Stanislaus County and California
Measure Salida Stanislaus County California U.S.
Typical home value $461,100 $450,100 $734,700 $332,700
Typical monthly rent $2,081 $1,623 $2,036 $1,413
Typical yearly household income $94,935 $81,468 $99,122 $80,734
Households that own their home 77% 61% 56% 65%
Typical yearly property tax $4,589 $3,216 $5,124 $3,119
Effective property tax rate 1% 0.71% 0.7% 0.94%

“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 Salida

For a typical $461,100 home in Salida, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Salida's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,847a month

    Least cash to close
    Down payment
    $16,139
    Cash to close
    $29,972
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $204

  • Conventional, 5% down $3,763a month

    Down payment
    $23,055
    Cash to close
    $36,888
    Rate
    7.18%
    Mortgage insurance
    PMI · $219

  • Conventional, 20% down, no PMI $3,075a month

    Down payment
    $92,220
    Cash to close
    $106,053
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,502a month

    Down payment
    $69,165
    Cash to close
    $82,998
    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 Salida and for Stanislaus County.

Property tax

Effective rate in Salida

1%of the home’s value each year

$4,589 a year for the typical owner in Salida.

  • Salida 1%
  • 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 Salida

Typical rent in Salida is $2,081 a month: 28% above the county.

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 Salida

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Salida is in ZIP code 95368.

For 2 bedrooms it is $2,380: $577 more than the fair market rent for Stanislaus County ($1,803).

  • 95368 $2,380$3,180

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Salida 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?

Free help

Help to buy or rent in Salida

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 grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Salida

No down payment, repair or rent-help program on our list is for Salida or Stanislaus County. The ones below are statewide in California: they work in Salida 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 Salida

The HUD-approved agencies closest to the center of Salida, 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 · 9 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 · 20 miles away · Spanish

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

  • Habitat for Humanity East Bay/Silicon Valley - Milpitas

    1608 Las Plumas Ave, San Jose · 49 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (510) 803-3362

Every agency in Stanislaus County All counseling agencies in California

Help in Spanish near Salida

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 Salida

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

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Salida

Short answers with the numbers for Salida 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 Salida?

The typical home value in Salida is $461,100, 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 Salida?

Typical rent in Salida is $2,081 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 Salida?

Salida 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 Salida?

The typical homeowner in Salida pays $4,589 a year, according to the U.S. Census Bureau. That is 1% of the home’s value; in Stanislaus County, the rate is 0.71%.

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

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).