The median home in Arcata, California is valued at $477,100, down 5.0% year over year. Typical monthly rent is $1,734, producing a price-to-rent ratio of 22.9x — well above the national average of 18x. Arcata is part of the Eureka-Arcata, CA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
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Home Value$477,100
-5.0%
Rent$1,734/mo
AFFORDABILITYRenting $1,111/mo cheaper ($1,734 rent)6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.
Enter your income for Arcata.
$95,420 on $477,100
Out of reach — 45.5% of income
Need $121,929/yr to afford.
PITI$2,845
P/I45.5%
Afford$293K
Gap-$184K
P&I $2,412Tax $282Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
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Full Eureka-Arcata, CA analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Eureka-Arcata, CA metro.
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