Palo Cedro, CA—96073
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Palo Cedro, CA
As of Oct '25, the median home price in Palo Cedro, CA is $563,000, with a year-over-year change of -1.0%. This indicates that home prices in Palo Cedro, CA are flat. According to Zillow, the 1-year price projection is -1.2%, suggesting a decrease housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $563,000 | -1.0% |
| Single Family | $563,000 | -1.2% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | $524,000 | -0.8% |
4 Bed | $667,000 | -0.6% |
| 5 Bed | $809,000 | -1.0% |
% of Housing Stock
Rental Trends — Palo Cedro, CA
As of July '25, Rentcast reports the average rent in Palo Cedro, CA is $2,280, with a year-over-year rent change of 8.6%. Per bedroom, the median rent as of July '25 in Palo Cedro, CA is 2-bedrooms: $2,000, 3-bedrooms: $2,550. The most common rental property sizes in Palo Cedro, CA are 3-bedroom and 4-bedroom, accounting for 57.9% and 22.2% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,000 | $2,280 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $2,000 | $2,000 |
| 3 Bed Rent | $2,550 | $2,550 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Palo Cedro, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in Palo Cedro, CA is 48. This is a increase of 48.0% 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 21.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $677,000 | 0.0% |
Listing Count | 29 | 52.0% |
| Listings as % of Homes | 0.5% | 52.0% |
Days on Market | 48 | 48.0% |
Demographics — Palo Cedro, CA
As of the latest ACS Survey released in 2023, Palo Cedro, CA has a population of 5,630, which has increased by 43.0% over the past 5 years. Palo Cedro, CA is a popular place for families, as children make up 27.5% of the population. The area has a moderately educated workforce, with 41.7% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 14.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 5,630 | 43.0% |
% Under 18 | 27.5% | 45.5% |
% Seniors | 23.2% | -14.7% |
% WFH | 14.6% | 371.0% |
% w/ College Degree | 41.7% | 31.1% |
As of the latest ACS Survey released in 2023, Palo Cedro, CA is a predominantly white area, with 84.3% of the population identifying as white. The white population has shrunk by 8.6% in the last 5 years. The second most common race or ethnicity in Palo Cedro, CA is hispanic, making up 4.8% of the population. Foreign-born residents account for 1.8% of the population in Palo Cedro, CA, and this percentage has decreased by 18.2% 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 | 84.3% | -8.6% |
% Black | 0.6% | 20.0% |
% Hispanic | 4.8% | 26.3% |
% Asian | 0.3% | -57.1% |
% Foreign Born | 1.8% | -18.2% |
Mortgage and Risk — Palo Cedro, CA
According to HUD data as of 2023, there were 71 mortgage originations in Palo Cedro, CA, of which 90.0% of loans were conventional mortgages. The average loan-to-value was 57.0%, with 15.0% above 90% LTV (elevated). This implies medium mortgage risk in Palo Cedro, CA. Investor activity is low, as 0.0% of loans were by investors. 14.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 71 |
% Conventional Loans | 90.0% |
% Government Loans | 10.0% |
% Investor Loans | 0.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 14.0% |
Loan Activity
Rentals and Section 8 — Palo Cedro, CA
Palo Cedro, CA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 5 |
Total Units Section 8 | 4 |
% Rentals under Section 8 | 3.2% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,840 |
| 2 Bedroom | $420 | $2,000 | $2,420 |
| 3 Bedroom | $840 | $2,550 | $3,390 |
| 4 Bedroom | N/A | N/A | $4,060 |
Affordability — Palo Cedro, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.7 |
| Median Home Price | $563,000 |
| Median Household Income | $123,000 |