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.

Home Value$452,941

+1.1%

Rent$1,596/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Chico.

Income (annual)

Down Payment

$90,588 on $452,941

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

Out of reach43.3% of income

Need $116,057/yr to afford.

PITI$2,708

P/I43.3%

Afford$293K

Gap-$160K

P&I $2,290Tax $268Ins $150

Renting $1,112/mo cheaper ($1,596 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 Chico 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 Chico, CA analysis

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

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