Median home value in zip code 95536 (Ferndale, CA) is $514,438, down 3.7% year over year. Part of the Eureka-Arcata, CA metropolitan area.

Home Value$514,438

YoY Change

-3.7%

Prices falling — better for buyers.

Affordability

Enter your income for 95536 (Ferndale).

Income (annual)

Down Payment

$102,888 on $514,438

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

Out of reach48.9% of income

Need $130,971/yr to afford.

PITI$3,056

P/I48.9%

Afford$295K

Gap-$220K

P&I $2,601Tax $304Ins $150

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

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

Metro Analysis

95536 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.