City · 72,502 residents · Stanislaus County, California
Turlock, California
In Turlock, a typical home is worth $460,600 and typical rent is $1,612 a month. Compared with all of Stanislaus County, the share of households that own their home is 5 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $432,040 to $477,556.
Typical rent
$2,064a month
▲ 2.4% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,673 to $2,064.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Turlock 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 Keyes, the typical home value is $344,100: 25% less than in Turlock ($460,600).
2
Nearby, in Delhi, the typical rent is $1,274: 21% less than in Turlock ($1,612).
3
56% of households in Turlock own their home, against 61% in Stanislaus County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Turlock
What homes there are in Turlock, 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
Turlock
Stanislaus County
California
United States
Kind of home: Turlock and its comparisons
Measure
Turlock
Stanislaus County
California
United States
Detached house
68%
76%
57%
61%
Attached house
3%
4%
7%
6%
Building of 2 to 4
10%
6%
8%
8%
Apartments (5 or more)
16%
10%
24%
19%
Mobile home
3%
4%
4%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In Turlock, 7 in 10 homes are single-family detached houses; in Stanislaus County, 8.
Year built
Before 19601960–19791980–19992000–20092010 or later
Turlock
Stanislaus County
California
United States
Year built: Turlock and its comparisons
Measure
Turlock
Stanislaus County
California
United States
Before 1960
16%
20%
27%
26%
1960–1979
27%
28%
29%
24%
1980–1999
34%
31%
25%
25%
2000–2009
19%
16%
11%
14%
2010 or later
5%
5%
8%
11%
In Turlock, half of the homes were built before 1984; in Stanislaus County, before 1981.
Homes in Turlock are smaller: 63% 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 $100K7%
$100K–$200KUnreliable
$200K–$300K5%
$300K–$500K47%
$500K–$750K31%
$750K–$1M8%
$1M or more1%
Value of owner-occupied homes: Turlock and its comparisons
Measure
Turlock
Under $100K
7%
$100K–$200K
Unreliable estimate
$200K–$300K
5%
$300K–$500K
47%
$500K–$750K
31%
$750K–$1M
8%
$1M or more
1%
Monthly rent with utilities
Under the limitOver the limit
Under $5005%
$500–$99911%
$1,000–$1,49926%
$1,500–$1,99935%
HUD fair market rent, 2 bedrooms: $1,803
$2,000–$2,49916%
$2,500–$2,9995%
$3,000 or more3%
Monthly rent with utilities: Turlock and its comparisons
Measure
Turlock
Under $500
5%
$500–$999
11%
$1,000–$1,499
26%
$1,500–$1,999
35%
$2,000–$2,499
16%
$2,500–$2,999
5%
$3,000 or more
3%
About 63% of rented homes in Turlock cost less than HUD's 2-bedroom fair market rent for Stanislaus County ($1,803); the rest cost more.
With a mortgage
$2,142 a month
Stanislaus County: $2,160 a month
Without a mortgage
$702 a month
Stanislaus County: $696 a month
Owners with a mortgage
69%
Stanislaus County: 66%
Owning costs about the same in Turlock as in Stanislaus County: with a mortgage, $2,142 a month; without one, $702.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Turlock+49%
Stanislaus County+54%
California+46%
United States+53%
Typical rent
Turlock+44%
Stanislaus County+41%
California+36%
United States+33%
Typical household income
Turlock+39%
Stanislaus County+34%
California+32%
United States+29%
Change since 2015–2019: Turlock and its comparisons
Measure
Turlock
Stanislaus County
California
United States
Typical home value
+49%
+54%
+46%
+53%
Typical rent
+44%
+41%
+36%
+33%
Typical household income
+39%
+34%
+32%
+29%
The typical home value in Turlock rose 49% since 2015–2019, less than in Stanislaus County (54%).
The typical rent in Turlock rose 44% since 2015–2019, about the same as in Stanislaus County (41%).
Housing prices ran ahead of income in Turlock: typical income rose 39%, against +49% for home values and +44% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Turlock and its comparisons
Measure
Turlock
Stanislaus County
California
United States
Rental vacancy
4.2%
2.9%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
0.8%
0.9%
More than one person per room
6.9%
7.7%
8.2%
3.4%
People per household
2.81
3.08
2.84
2.53
Drive alone
80%
77%
66%
69%
Carpool
8%
11%
10%
9%
Public transit
Unreliable estimate
1%
3%
3%
Walk or bike
3%
2%
3%
3%
Work from home
7%
8%
17%
15%
Other means
2%
1%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
The rental vacancy rate in Turlock is 4.2%, higher than in Stanislaus County (2.9%).
More than one person per room: that is how 6.9% of households in Turlock live, near the figure in Stanislaus County (7.7%).
On average, a household in Turlock has 2.81 people, fewer than in Stanislaus County (3.08).
To get to work, 80% of workers in Turlock drive alone; in Stanislaus County, 77%.
Do the math
What would you pay each month for a home in Turlock?
A typical home costs more than the typical income allows
We start with a typical home in Turlock, worth $460,600, 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 Turlock, which is $82,995 a year. For that payment to be 28% of income, a household would need to earn about $160,761 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 Turlock. 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 $16,121 (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
$3,751
at 7.18% · 30 years
Loan amount
$452,257
Total interest
$650,692
Paid off in
November 2056
Includes $7,778 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,937 a month
Tight
$1,937 to $2,490 a month
Hard
more than $2,490 a month
Your payment · 54%
Compared with the typical household income in Turlock ($82,995 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,064
Property tax
$292
Home insurance
$192
FHA mortgage insurance (MIP)
$204
You need at least $16,121 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 $3,751; principal and interest $3,064.
The city and its county
Turlock and Stanislaus County
Turlock 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).
Turlock
Map of Stanislaus County, California, with Turlock marked. Around it, the neighboring counties.
Turlock
Stanislaus County
Other cities with a page
Turlock's own numbers
Typical home value
$460,600
Typical monthly rent
$1,612
Typical yearly household income
$82,995
Households that own their home
56%
Effective property tax rate
0.76%
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 Turlock is worth $460,600: 2% above the county and 37% below California. With the typical household income in Turlock ($82,995 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.
Turlock5.5 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
Turlock 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
Turlock$460,600
Stanislaus$450,100
California$734,700
United States$332,700
Typical monthly rent
Turlock$1,612
Stanislaus$1,623
California$2,036
United States$1,413
Typical yearly household income
Turlock$82,995
Stanislaus$81,468
California$99,122
United States$80,734
See the full table
Turlock next to Stanislaus County and California
Measure
Turlock
Stanislaus County
California
U.S.
Typical home value
$460,600 ▲2% above the county
$450,100
$734,700
$332,700
Typical monthly rent
$1,612
$1,623
$2,036
$1,413
Typical yearly household income
$82,995
$81,468
$99,122
$80,734
Households that own their home
56% ▼5 points below the county
61%
56%
65%
Typical yearly property tax
$3,498 ▲9% above the county
$3,216
$5,124
$3,119
Effective property tax rate
0.76% ▲0.05 points above the county
0.71%
0.7%
0.94%
Renters with high rent for their income
52% ▼2 points below the county
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 Turlock
For a typical $460,600 home in Turlock, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Turlock's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,751a month
Least cash to close
Down payment
$16,121
Cash to close
$29,939
Rate
7.18%
Mortgage insurance
FHA MIP · $204
Conventional, 5% down$3,667a month
Down payment
$23,030
Cash to close
$36,848
Rate
7.18%
Mortgage insurance
PMI · $219
Conventional, 20% down, no PMI$2,980a month
Down payment
$92,120
Cash to close
$105,938
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,406a month
Down payment
$69,090
Cash to close
$82,908
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Turlock
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,751
$16,121
$452,257
7.18%
FHA MIP · $204
$29,939
580
Conventional, 5% down
$3,667
$23,030
$437,570
7.18%
PMI · $219
$36,848
620*
Conventional, 20% down, no PMI
$2,980
$92,120
$368,480
7.18%
None
$105,938
620*
ITIN, 15% down (example)
$3,406
$69,090
$391,510
8.18%
None
$82,908
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 Turlock is $1,612 a month: about the same as the county. In Turlock, 52% 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 Turlock
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Turlock has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,660 in 95380 to $2,020 in 95382.
1 of the 2 is above the fair market rent for Stanislaus County ($1,803).
Fair market rent by ZIP code and size in Turlock, fiscal year 2027.
95380
$1,180
$1,280
$1,660
$2,230
$2,610
95382
$1,430
$1,540
$2,020
$2,700
$3,170
ZIP code2 bd3 bd
95380 $1,660$2,230
95382 $2,020$2,700
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Turlock 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)
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 Turlock or Stanislaus County. The ones below are statewide in California: they work in Turlock 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 Turlock 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 Turlock 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 Turlock?
The typical home value in Turlock is $460,600, 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 Turlock?
Typical rent in Turlock is $1,612 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 Turlock?
Turlock 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 Turlock?
The typical homeowner in Turlock pays $3,498 a year, according to the U.S. Census Bureau. That is 0.76% of the home’s value; in Stanislaus County, the rate is 0.71%.
Where can I find free help to buy or rent in Turlock?
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.
