Terra Bella, CA—93270
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Terra Bella, CA
As of Oct '25, the median home price in Terra Bella, CA is $374,000, with a year-over-year change of 1.4%. This indicates that home prices in Terra Bella, CA are increasing. According to Zillow, the 1-year price projection is 1.7%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $374,000 | 1.4% |
| Single Family | $373,000 | 1.6% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $239,000 | -1.6% |
3 Bed | $373,000 | 3.9% |
4 Bed | $443,000 | 5.7% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Terra Bella, CA
Terra Bella, CA lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $725 | $727 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $725 | $727 |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Terra Bella, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in Terra Bella, CA is 73. This is a increase of 14.0% 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 31.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $479,000 | -33.0% |
Listing Count | 13 | 122.0% |
| Listings as % of Homes | 0.5% | 122.0% |
Days on Market | 73 | 14.0% |
Demographics — Terra Bella, CA
As of the latest ACS Survey released in 2023, Terra Bella, CA has a population of 5,700, which has increased by 2.9% over the past 5 years. Terra Bella, CA is a moderately popular place for families, as children make up 25.0% of the population. The area has a poorly educated workforce, with 5.8% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 8.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 5,700 | 2.9% |
% Under 18 | 25.0% | -15.0% |
% Seniors | 17.8% | 60.4% |
% WFH | 8.6% | 72.0% |
% w/ College Degree | 5.8% | -40.8% |
As of the latest ACS Survey released in 2023, Terra Bella, CA is a predominantly hispanic area, with 64.0% of the population identifying as hispanic. The hispanic population has shrunk by 20.5% in the last 5 years. The second most common race or ethnicity in Terra Bella, CA is white, making up 34.6% of the population. Foreign-born residents account for 24.8% of the population in Terra Bella, CA, and this percentage has decreased by 24.2% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 34.6% | 87.0% |
% Black | 0.3% | 50.0% |
% Hispanic | 64.0% | -20.5% |
% Asian | 0.6% | ∞% |
% Foreign Born | 24.8% | -24.2% |
Mortgage and Risk — Terra Bella, CA
According to HUD data as of 2023, there were 37 mortgage originations in Terra Bella, CA, of which 68.0% of loans were conventional mortgages. The average loan-to-value was 60.0%, with 30.0% above 90% LTV (very high). This implies large mortgage risk in Terra Bella, CA. Investor activity is low, as 3.0% of loans were by investors. 27.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 37 |
% Conventional Loans | 68.0% |
% Government Loans | 32.0% |
% Investor Loans | 3.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 27.0% |
Loan Activity
Rentals and Section 8 — Terra Bella, CA
Terra Bella, CA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 1 |
Total Units Section 8 | 1 |
% Rentals under Section 8 | 0.2% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $225 | $725 | $950 |
| 2 Bedroom | N/A | N/A | $1,250 |
| 3 Bedroom | N/A | N/A | $1,720 |
| 4 Bedroom | N/A | N/A | $1,990 |
Affordability — Terra Bella, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.5 |
| Median Home Price | $374,000 |
| Median Household Income | $76,800 |