Arcata, CA 95521 - Home Prices, Rental Trends, Listings & Demographics | Prop:Metrics

Arcata, CA—95521

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value

$484,000

7.4% YoY Growth

Household Income

$54,300

50.7% YoY Growth

Days on Market

42.0% Shorter YoY

Home Price Forecast

-3.3%

Median Rent

$1,500

5.7% YoY Growth

1-Bed Rent

$995

0.9% YoY Growth

2-Bed Rent

$1,500

8.5% YoY Growth

3-Bed Rent

$2,000

6.0% YoY Growth

Home Price Trends — Arcata, CA

As of Nov '25, the median home price in Arcata, CA is $484,000, with a year-over-year change of -7.4%. This indicates that home prices in Arcata, CA are decreasing. According to Zillow, the 1-year price projection is -3.3%, suggesting a decrease housing market in the next year.

Cost per Home Type

Home Type	Median Home Value	YoY % Change
All Homes	$484,000	-7.4%
Single Family	$485,000	-6.7%
Condos	N/A	N/A

Cost per Home Size

Home Size	Median Home Value	YoY % Change
1 Bed

Rental Trends — Arcata, CA

As of July '25, Rentcast reports the average rent in Arcata, CA is $1,640, with a year-over-year rent change of -5.7%. Per bedroom, the median rent as of July '25 in Arcata, CA is studios: $900, 1-bedrooms: $1,050, 2-bedrooms: $1,540, 3-bedrooms: $2,180, 4-bedrooms: $2,820. The most common rental property sizes in Arcata, CA are 2-bedroom and 1-bedroom, accounting for 38.1% and 24.1% of the rental stock.

Type	Median Rent	Average Rent
Average Rent	$1,500	$1,640
Studio Rent	$900	$900
1 Bed Rent	$995	$1,050
2 Bed Rent	$1,500	$1,540
3 Bed Rent	$2,000	$2,180
4 Bed Rent	$2,650	$2,820

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% of Rental Stock

Studio

11.5%

1 Bedroom

24.1%

2 Bedrooms

38.1%

3 Bedrooms

20.6%

4 Bedrooms

1.5%

5+ Bedrooms

4.2%

Property Listings — Arcata, CA

As of Nov '25, Realtor.com reports that the median days on market for a home in Arcata, CA is 68. This is a decrease of -42.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 15.0%, representing a small inventory and little supply pressure on home prices.

Metric	Zip Code Average	Year over Year % Change
Median Listing Price	$592,000	3.0%
Listing Count	27	-11.0%
Listings as % of Homes	0.2%	-11.0%
Days on Market	68	-42.0%

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Demographics — Arcata, CA

As of the latest ACS Survey released in 2023, Arcata, CA has a population of 21,700, which has remained stable by 1.0% over the past 5 years. Arcata, CA is a less popular place for families, as children make up 13.9% of the population. The area has a moderately educated workforce, with 45.0% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 12.7% reporting working from home.

Metric	Latest Census	YoY % Change
Population	21,700	1.0%
% Under 18	13.9%	11.2%
% Seniors	14.1%	18.5%
% WFH	12.7%	92.4%
% w/ College Degree	45.0%	-11.8%

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As of the latest ACS Survey released in 2023, Arcata, CA is a predominantly white area, with 71.6% of the population identifying as white. The white population has shrunk by 2.1% in the last 5 years. The second most common race or ethnicity in Arcata, CA is hispanic, making up 14.9% of the population. Foreign-born residents account for 6.2% of the population in Arcata, CA, and this percentage has increased by 51.2% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.

Race and Ethnicity

Metric	Latest Census	5-Year % Change
% White	71.6%	-2.1%
% Black	2.1%	-22.2%
% Hispanic	14.9%	-2.0%
% Asian	2.3%	9.5%
% Foreign Born	6.2%	51.2%

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Mortgage and Risk — Arcata, CA

According to HUD data as of 2023, there were 116 mortgage originations in Arcata, CA, of which 89.0% of loans were conventional mortgages. The average loan-to-value was 58.0%, with 10.0% above 90% LTV (elevated). This implies medium mortgage risk in Arcata, CA. Investor activity is low, as 1.0% of loans were by investors. 11.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.

Mortgages

Metric	Zip Code Average
Total Loan Originations	116
% Conventional Loans	89.0%
% Government Loans	11.0%
% Investor Loans	1.0%
% Second Loans	7.0%
% Cash Out Refinance	11.0%

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Rentals and Section 8 — Arcata, CA

Arcata, CA lacks sufficient Section 8 program data for analysis.

Section 8 Market Size

Total Units under HUD	441
Total Units Section 8	441
% Rentals under Section 8	N/A
% Occupied Section 8	75.1%

Section 8 Opportunity

Home Size	HUD Premium	Market Rent	Max HUD Rent
1 Bedroom	$185	$995	$1,180
2 Bedroom	$40	$1,500	$1,540
3 Bedroom	$160	$2,000	$2,160
4 Bedroom	-$60	$2,650	$2,590

Arcata, CA—95521

Key Metrics at a Glance

Home Price Trends — Arcata, CA

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Arcata, CA

% of Rental Stock

Property Listings — Arcata, CA

Demographics — Arcata, CA

Race and Ethnicity

Mortgage and Risk — Arcata, CA

Mortgages

Rentals and Section 8 — Arcata, CA

Section 8 Market Size

Section 8 Opportunity

Affordability — Arcata, CA

Home Price to Income Ratio

Arcata, CA — ZIP Code Boundary Map

Nearby ZIP Codes

Bayside, CA

Eureka, CA

McKinleyville, CA

Eureka, CA

Fairhaven, CA

Frequently Asked Questions

Metric	Zip Code Average
Home Price to Income Ratio	10.2
Median Home Price	$484,000
Median Household Income	$54,300

Arcata, CA—95521

Key Metrics at a Glance

Home Price Trends — Arcata, CA

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Arcata, CA

% of Rental Stock

Property Listings — Arcata, CA

Demographics — Arcata, CA

Race and Ethnicity

Mortgage and Risk — Arcata, CA

Mortgages

Rentals and Section 8 — Arcata, CA

Section 8 Market Size

Section 8 Opportunity

Affordability — Arcata, CA

Home Price to Income Ratio

Arcata, CA — ZIP Code Boundary Map

Nearby ZIP Codes

Bayside, CA

Eureka, CA

McKinleyville, CA

Eureka, CA

Fairhaven, CA

Frequently Asked Questions

What is the average home price in Arcata, CA 95521?

How have home prices in Arcata, CA 95521 changed over the past year?

What is the home price projection for Arcata, CA 95521?

What are the demographics of Arcata, CA 95521?

How long does it take homes to sell in Arcata, CA 95521?

What is the average rent price in Arcata, CA 95521?