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Chico, CA—95926

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value
$424,000
0.9% YoY Growth
Household Income
$62,300
36.2% YoY Growth
Days on Market
82
32.0% Longer YoY
Home Price Forecast
-1.8%
Median Rent
$1,550
2.4% YoY Growth
1-Bed Rent
$1,150
4.6% YoY Growth
2-Bed Rent
$1,400
1.4% YoY Growth
3-Bed Rent
$1,750
0.5% YoY Growth

Other Zip Codes in Chico, CA

9597395928
  • Home Price Trends
  • Rental Trends
  • Property Listings
  • Demographics
  • Mortgage and Risk

Home Price Trends — Chico, CA

As of Dec '25, the median home price in Chico, CA is $424,000, with a year-over-year change of 0.9%. This indicates that home prices in Chico, CA are flat. According to Zillow, the 1-year price projection is -1.8%, suggesting a decrease housing market in the next year.

Cost per Home Type

Home TypeMedian Home ValueYoY % Change
All Homes
$424,0000.9%
Single Family $431,0001.2%
Condos $228,000-3.4%

Cost per Home Size

Home SizeMedian Home ValueYoY % Change
1 Bed
  • Affordability
  • Rentals and Section 8
    • $226,000
    0.9%
    2 Bed
    		$317,0001.3%
    3 Bed
    		$427,0000.9%
    4 Bed
    		$522,0001.4%
    5 Bed $592,4861.8%
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    % of Housing Stock

    Studio
    2.8%
    1 Bedroom
    11.5%
    2 Bedrooms
    29.1%
    3 Bedrooms
    38.3%
    4 Bedrooms
    16.8%
    5+ Bedrooms
    1.5%

    Rental Trends — Chico, CA

    As of July '25, Rentcast reports the average rent in Chico, CA is $1,610, with a year-over-year rent change of -2.4%. Per bedroom, the median rent as of July '25 in Chico, CA is studios: $941, 1-bedrooms: $1,140, 2-bedrooms: $1,410, 3-bedrooms: $1,880, 4-bedrooms: $1,820. The most common rental property sizes in Chico, CA are 2-bedroom and 3-bedroom, accounting for 41.8% and 23.7% of the rental stock.

    TypeMedian RentAverage Rent
    Average Rent$1,550$1,610
    Studio Rent $925$941
    1 Bed Rent $1,150$1,140
    2 Bed Rent $1,400$1,410
    3 Bed Rent $1,750$1,880
    4 Bed Rent $1,700$1,820
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    % of Rental Stock

    Studio
    4.6%
    1 Bedroom
    17.0%
    2 Bedrooms
    41.8%
    3 Bedrooms
    23.7%
    4 Bedrooms
    12.1%
    5+ Bedrooms
    0.9%

    Property Listings — Chico, CA

    As of Dec '25, Realtor.com reports that the median days on market for a home in Chico, CA is 74. This is a increase of 36.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 20.0%, representing a small inventory and little supply pressure on home prices.

    MetricZip Code AverageYear over Year % Change
    Median Listing Price
    		$425,000-9.0%
    Listing Count
    		6035.0%
    Listings as % of Homes0.2%35.0%
    Days on Market
    		8232.0%
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    Demographics — Chico, CA

    As of the latest ACS Survey released in 2023, Chico, CA has a population of 42,100, which has increased by 8.0% over the past 5 years. Chico, CA is a moderately popular place for families, as children make up 18.3% of the population. The area has a moderately educated workforce, with 44.7% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 13.3% reporting working from home.

    MetricLatest CensusYoY % Change
    Population
    		42,1008.0%
    % Under 18
    		18.3%6.4%
    % Seniors
    		14.2%4.4%
    % WFH
    		13.3%150.9%
    % w/ College Degree
    		44.7%19.8%
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    As of the latest ACS Survey released in 2023, Chico, CA is a predominantly white area, with 65.1% of the population identifying as white. The white population has shrunk by 10.2% in the last 5 years. The second most common race or ethnicity in Chico, CA is hispanic, making up 20.2% of the population. Foreign-born residents account for 7.0% of the population in Chico, CA, and this percentage has increased by 4.5% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.

    Race and Ethnicity

    MetricLatest Census5-Year % Change
    % White
    		65.1%-10.2%
    % Black
    		2.9%38.1%
    % Hispanic
    		20.2%25.5%
    % Asian
    		5.7%23.9%
    % Foreign Born
    		7.0%4.5%
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    Mortgage and Risk — Chico, CA

    According to HUD data as of 2023, there were 347 mortgage originations in Chico, CA, of which 88.0% of loans were conventional mortgages. The average loan-to-value was 56.0%, with 21.0% above 90% LTV (very high). This implies large mortgage risk in Chico, CA. Investor activity is low, as 3.0% of loans were by investors. 10.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.

    Mortgages

    MetricZip Code Average
    Total Loan Originations
    		347
    % Conventional Loans
    		88.0%
    % Government Loans
    		12.0%
    % Investor Loans
    		3.0%
    % Second Loans
    		1.0%
    % Cash Out Refinance
    		10.0%
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    Rentals and Section 8 — Chico, CA

    As of 2024, the percent of homes in Chico, CA under the Section 8 program is 9.1%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 2-bedroom and 3-bedroom and 4-bedroom units appear to be good home sizes to consider for Section 8 housing in Chico, CA, because HUD payments exceed market rent, while 1-bedroom units do not.

    Section 8 Market Size

    Total Units under HUD
    		852
    Total Units Section 8
    		843
    % Rentals under Section 8
    		9.1%
    % Occupied Section 8
    		96.6%

    Section 8 Opportunity

    Home SizeHUD PremiumMarket RentMax HUD Rent
    1 Bedroom-$40$1,150$1,110
    2 Bedroom$40$1,400$1,440
    3 Bedroom$270$1,750$2,020
    4 Bedroom$720$1,700$2,420

    Affordability — Chico, CA

    Home Price to Income Ratio

    MetricZip Code Average
    Home Price to Income Ratio6.9
    Median Home Price$424,000
    Median Household Income$62,300

    Chico, CA — ZIP Code Boundary Map

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    Nearby ZIP Codes

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    Frequently Asked Questions