Best Places95354, CA Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 95354, scored on 40 measures of daily life and ranked to fit what matters to you. Several measures below read low, and the ranked lists name which ones. To work out which city fits you best, start with the best places to live tool.
95354 ranks 22,522nd of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on transit by a wide margin, and air quality ranks lowest.
The best neighborhoods in 95354
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
95354's strengths and weaknesses
Where 95354 ranks high
- TransitBetter than 96% of zip codes
- WalkabilityBetter than 94% of zip codes
- BikingBetter than 93% of zip codes
- Nice weatherabout 149 pleasant days a year, better than 89% of zip codes
- Cell coverageBetter than 88% of zip codes
Where 95354 ranks low
- Air qualityBetter than only 6% of zip codes
- Educational attainmentBetter than only 8% of zip codes
- Voter turnoutBetter than only 8% of zip codes
- Healthcare accessBetter than only 8% of zip codes
- QuietBetter than only 10% of zip codes
What it costs to buy a home in 95354
A household needs to earn about $97,000 a year to comfortably buy the median 95354 home, at 20% down and today's 30-year rate. That runs well above the area's median income of $75,031, so buying stretches a typical household.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 95354's effective rate of 0.53%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices, buying tends to cost more than renting for about the first 9 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in 95354
95354 runs younger than the country, and households here run larger than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 95354.
Who works in 95354, and how
Work in 95354 centers on retail trade and health care & social. Unemployment sits above the national rate, and employment has held roughly flat.
Largest industries
How people get to work
- Drive or carpool 86%
- Work from home 7%
- Transit, walk, or bike 6%
Life in 95354
95354 has more restaurants and bars per resident than 84% of zip codes and more parkland per resident than 86% of zip codes. Dining, parks, and nightlife concentrates in some parts of 95354 and thins out in others, which the map shows.
What the weather is like in 95354, month by month
95354 sees roughly 149 pleasant days a year. July highs average about 98 degrees. January highs sit near 59, with lows near 39. The comfortable stretch runs March through May, September, and October.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 59° | 49° | 39° |
| April | 77° | 62° | 48° |
| July | 98° | 81° | 63° |
| October | 82° | 65° | 51° |
Flying in and out of 95354
The nearest airport, Stockton Metro, is about 23 miles away and is a small airport. The nearest major hub is Norman Y Mineta San Jose International, about 56 miles away.
The best schools in and around 95354
Schools across 95354 average a C−, better than 20% of zip codes.
Top elementary schools
- Enslen ElementaryB− · 40% proficient
- El Vista ElementaryD · 20% proficient
- John Muir ElementaryD− · 15% proficient
Top middle schools
- La Loma Junior HighC · 33% proficient
- Roosevelt Junior HighC− · 31% proficient
- Mark Twain Junior HighD− · 13% proficient
Top high schools
- Modesto HighC+ · 39% proficient
- Peter Johansen HighC · 35% proficient
- Ceres HighC · 34% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 95354 school and its grade on SchoolGrade.
95354 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 95354 against the other 33,109 zip codes.
Who 95354 suits
Remote workers
Internet is fast and widely advertised and 7% already work from home.
Common questions about living in 95354
Is 95354 a good place to live?
Using BestNeighborhood's default rankings, 95354 ranks 22,522nd of 33,110 zip codes. It scores highest on transit, walkability, and biking, and lowest on air quality and education levels. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 95354 expensive to live in?
The median home is worth $383,423. The overall cost of living runs about 3% above the national average. Set against a $75,031 median income, cost of living beats 28% of zip codes.
Is 95354 safe?
95354 is safer than 12% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $673 per resident a year.
What is the weather like in 95354?
July highs average about 98 degrees, and January highs near 59 with lows near 39. That works out to about 149 pleasant days a year, more than 89% of zip codes.
Is 95354 good for families?
Schools beat 20% of zip codes, crime safety beats 12%, and childcare runs $1,134 a month.
Compare 95354 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 95354. Scores are absolute rather than ranked, which means a 60 in 95354 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
95354 detail on BestNeighborhood maps:
- Walk Grade for 95354: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 95354: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 95354: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 95354: carrier by carrier coverage behind the cell score.
95354 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.