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.

Home Value$477,100

-5.0%

Rent$1,734/mo

Prices falling — better for buyers.

Affordability

Enter your income for Arcata.

Income (annual)

Down Payment

$95,420 on $477,100

Example: $75,000 household income. Change it above to see your own.

Out of reach45.5% of income

Need $121,929/yr to afford.

PITI$2,845

P/I45.5%

Afford$293K

Gap-$184K

P&I $2,412Tax $282Ins $150

Renting $1,111/mo cheaper ($1,734 rent)6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in California

Compare Arcata with other housing markets across California.

Atherton$7.52M Los Altos Hills$5.8M Montecito$5.25M Hidden Hills$4.99M Hillsborough$4.95M Los Altos$4.45M Belvedere$4.42M Rancho Santa Fe$4.19M

Full Eureka-Arcata, CA analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Eureka-Arcata, CA metro.

View Eureka-Arcata, CA metro

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.