Median home value in zip code 95528 (Carlotta, CA) is $362,671, down 9.5% year over year. Part of the Eureka-Arcata, CA metropolitan area.

Home Value$362,671

YoY Change

-9.5%

Prices falling — better for buyers.

Affordability

Enter your income for 95528 (Carlotta).

Income (annual)

Down Payment

$72,534 on $362,671

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

Stretch35.2% of income

Above 28% but manageable with cuts.

PITI$2,198

P/I35.2%

Afford$289K

Gap-$74K

P&I $1,834Tax $215Ins $150

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

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

Metro Analysis

95528 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.

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