The median home in Chico, California is valued at $452,941, up 1.1% year over year. Typical monthly rent is $1,596, producing a price-to-rent ratio of 23.6x — well above the national average of 18x. Chico is part of the Chico, CA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
See the full metro analysis: Chico, CA stress score, crash risk, and 12-month forecast →
Home Value$452,941
+1.1%
Rent$1,596/mo
AFFORDABILITYRenting $1,112/mo cheaper ($1,596 rent)6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.
Enter your income for Chico.
$90,588 on $452,941
Out of reach — 43.3% of income
Need $116,057/yr to afford.
PITI$2,708
P/I43.3%
Afford$293K
Gap-$160K
P&I $2,290Tax $268Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in California
Compare Chico with other housing markets across California.
Full Chico, CA analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Chico, CA metro.
View Chico, CA metro →