Sep 2026
$411K
-0.5% year-over-year
How it’s calculated
Rolling 3-month median sale price vs. same 3 months one year prior.
Chico, CA housing market
Chico, CA metro median sale price $411K in Sep 2026, down 0.5% year over year. Also days on market, price cuts, affordability and ZIP-code figures.
The median sale price in the Chico, CA metro is $411K as of Sep 2026, down 0.5% from a year earlier. The decline is steeper than in most of the 383 U.S. metros Pecan Street ranks on this measure. FHFA's repeat-sales index for the metro agrees within 1.6 points (down 2.1% through Q2 2026).
On median sale price, Chico ($411K) ranks 20th of the 25 California metros Pecan Street tracks, between Merced ($422K) and El Centro ($410K). On median days on market, Chico (67 days) ranks 4th of the 25 California metros, between San Luis Obispo (71 days) and Salinas (66 days). On share of listings with a price cut, Chico (39%) ranks 6th of the 25 California metros, between Vallejo (39%) and Oxnard / Thousand Oaks (38%).
Listings spent a median 67 days on market in Sep 2026, more than in most of the 385 metros. 39% of active listings carry a price cut, 1.5 points fewer than a year earlier. Median asking prices sit about 4% above the median sale price.
At the 7.29% 30-year fixed rate with 20% down, principal and interest on a median-priced home come to $2,255 a month; at 28% of gross income, that takes about $97K a year. The median sale price equals about 16 years of HUD Fair Market Rent, a ratio up 7.6% from a year earlier. That ratio is higher than in most of the 373 metros. Active listings ask a median $266 per square foot, up 0.1% from a year earlier.
In five of the eight ZIP codes in the table below, median list prices are lower than a year earlier; three are higher.
Headline
Oct 15, 2026
7.29%
30-year fixed
Where it comes from
National benchmark: Optimal Blue OBMMI 30-year conforming, via FRED. An average of rates borrowers have actually locked, updated daily.
The same rate appears on every market page.
Principal & interest
$2,255/mo
$97K/yr income needed
How it’s calculated
Payment — this market’s median sale price with 20% down, on a 30-year fixed loan at the rate shown. Principal and interest only — no property tax, insurance, PMI or HOA.
Income needed — that payment at 28% of gross income. A rule of thumb, not a lending decision.
How Chico compares to other U.S. metros
| Home-price growth | ↓300th of 383 |
|---|---|
| Days on market | ↑97th of 385 (top 26%) |
| Asking-vs-sale gap | ↓188th of 292 |
| Price-to-rent | ↑135th of 373 (top 37%) |
| Price cuts | 159th of 385 (top 42%) |
Rank across the U.S. metros Pecan Street tracks, on market data alone — a higher rank means more of that measure (more price cuts, faster price growth, a wider asking-vs-sale gap, a higher price-to-rent ratio, or more days on market). The bar shows where this metro sits within that metric’s own cohort (left is more, right is less); ↑ and ↓ mark the positions furthest from the middle, and rows are ordered the same way. Metrics without data for this metro are omitted.
Affordability
| Price-to-rent ratio | ≈ 16 +7.6% YoY ↑135th of 373 (top 37%) |
|---|---|
| Asking price / sq ft | $266 +0.1% YoY |
Price-to-rent divides the median sale price by the annual HUD Fair Market Rent (a 3-bedroom, 40th-percentile benchmark), so it is a directional rent-vs-buy read, not a cap rate; its year-over-year change is directional in the same way. Asking price per square foot is the median across active for-sale listings (Realtor.com), as of Sep 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market pressure
| Listings with a price cut | ≈ 39% -1.5 pts YoY 159th of 385 (top 42%) |
|---|
The median asking price $429K runs about 4% above the median sale price $411K.
Price-cut share is the portion of active for-sale listings that have taken a price reduction (Realtor.com), as of Sep 2026. Asking is the median list price of active listings (Realtor.com, this month); sale is the headline median of recent closings (Redfin, a rolling 3-month median) — distinct sources and windows, so the gap is a directional read, not a like-for-like difference. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market facts
| ZIPs with listing data | 8 shown of 19 |
|---|---|
| MLS board of record | — |
| Price methodology | Redfin vs FHFA HPI |
| Data as of | Sep 2026 |
Recent signals
No signals flagged for this market right now.
Price reconciliation
normal · 1.6ppRedfin (metro) -0.5% | FHFA HPI · Q2 2026 -2.1% |
Year-over-year home-price change from two independent methods — Redfin (monthly sold price) and FHFA (quarterly repeat-sales index). When they diverge, the market is mid-shift; cite the figure with that in mind.
More markets in CA
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Try it freeZIP-level data
| ZIP | Median list price | Active listings | New listings | Price reductions | Days on market | Home value |
|---|---|---|---|---|---|---|
| 95926 | $452K↓ | 71↑ | 32↑ | 34↑ | 58↑ | $429K↑ |
| 95928 | $492K↓ | 81↑ | 34↑ | 40↑ | 58↑ | $454K↑ |
| 95948 | $383K↓ | 29↑ | 6↓ | 10↓ | 54↓ | $344K↑ |
| 95954 | $299K↓ | 55↓ | 8↑ | 20↓ | 62↓ | $266K↓ |
| 95965 | $368K↑ | 47↑ | 12↑ | 20↓ | 80↓ | $302K↑ |
| 95966 | $360K↓ | 146↓ | 40↑ | 46↓ | 85↓ | $303K↓ |
| 95969 | $455K↑ | 107↓ | 38↑ | 34↓ | 57↓ | $335K↓ |
| 95973 | $592K↑ | 70↑ | 30↓ | 34↓ | 68↑ | $499K↑ |
ZIP figures from Realtor.com listing data; home value from Zillow ZHVI. ZIP codes shown have the most complete listing-data history and active for-sale inventory in this metro; the latest available month is shown per ZIP. Arrows show the direction of each figure against the same three months a year earlier; no arrow means the change rounds to zero or the comparison isn't available.