Median home value in zip code 95521 (Arcata, CA) is $490,153, down 4.6% year over year. Part of the Eureka-Arcata, CA metropolitan area.

Home Value$490,153

YoY Change

-4.6%

Prices falling — better for buyers.

Affordability

Enter your income for 95521 (Arcata).

Income (annual)

Down Payment

$98,031 on $490,153

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

Out of reach46.7% of income

Need $125,057/yr to afford.

PITI$2,918

P/I46.7%

Afford$294K

Gap-$196K

P&I $2,478Tax $290Ins $150

6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.

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

Metro Analysis

95521 is part of the Eureka-Arcata, CA metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

View Eureka-Arcata, CA analysis

Want deeper metro-level analysis?Stress scores, crash risk, 12-month forecasts, and early warning signals for 195 US metros.

Try Free

Weekly briefing

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