| Metric | Latest | Detail |
|---|---|---|
| Median listing price | $429,000 | +1.7% YoY |
| Median price per sq ft | $266 | 1,646 sq ft median |
| Median days on market | 67 | -1% YoY |
| Active listings | 662 | +2% YoY |
| New listings this month | 222 | September 2026 |
| Listings with a price cut | 24% | Share of active |
| Median sale price (closed) | $420,000 | -2.1% YoY · closed sales, July 2026 |
| Sale-to-list ratio | 99.7% | Closed sales, July 2026, seasonally adjusted |
| Pending-to-active ratio | 27.0% | 179 pending |
| Inventory vs 2019 | 108% | Active listings vs same month in 2019 |
| Gross rental yield | 4.5% | 2BR fair market rent |
Metropolitan market · California · September 2026 data
What is the Chico, CA real estate market doing?
As of September 2026, the median home listed in Chico, CA asks $429,000, up 1.7% year over year. Homes spend a median of 67 days on market, with 662 active listings and 24% carrying a price cut; pending contracts equal 27% of active listings, and inventory sits at 108% of the same month in 2019 — a buyer's market. Estimated gross rental yield on the median listing is 4.5%. Figures come from public records and industry data, updated monthly.
Median listing price
$429,000
▲ 1.7% YoY
Median $ / sq ft
$266
1,646 sq ft median
Median days on market
67
September 2026
Active listings
662
For sale now
New listings
222
September 2026
Listings with price cuts
24%
Share of active
Inventory vs 2019
108%
Same month, 2019 = 100
Pending / active
27%
Contract activity
Median sale price (closed)
$420,000
▼ 2.1% YoY · closed sales · July 2026
Sale-to-list ratio
99.7%
Closed sales · July 2026, seasonally adjusted
Homes sold / month
189
Closed sales · July 2026, seasonally adjusted
What is the Chico, CA housing market doing right now?
The Chico, CA housing market lists at a $429,000 median as of September 2026, up 1.7% year over year, with a 67-day median market time and 662 homes for sale (24% with a price cut). Active inventory is 108% of the 2019 level, reading as a buyer's market under WealthyBud's published buyer/seller rule. Gross rental yield is about 4.5%.
Chico housing market statistics
The table summarizes Chico's key housing figures for September 2026 — median listing and closed-sale prices, market pace, inventory and rental yield — each computed from public records and industry data. Closed-sale figures are Redfin's July 2026 data, the latest settled month Redfin reports for Chico.
How have home prices changed in Chico?
Chico home prices are up 1.7% year over year and +0.7% month over month as of September 2026, at a $429,000 median listing price. The chart tracks the trailing eight-quarter trend in the metro's median asking price.
Median listing price, Chico CA · trailing 8 quarters · source: public records and industry data.
The 10-year view
10-year median listing price, Chico CA · June of each year, 2017–2026 · source: public records and industry data.
How much inventory is on the market in Chico?
Chico has 662 active listings, 222 new this month, 179 pending as of September 2026. About 24% of active listings have cut their price, and inventory sits at 108% of its 2019 level — a buyer's market by pace.
Is Chico a good real estate investment?
Chico scores 53/100 on WealthyBud's composite Investor Score, ranking #387 of 933 covered U.S. metros as of September 2026. The score blends price momentum, value, rental yield, supply and market heat into one percentile. It is a research opinion, not advice.
Investor Score
53/100
#387 of 933 covered metros
Price volatility
High
σ 7.4% · 20-yr price-index swings
Chico scores 53/100 on our composite Investor Score (#387 of 933 covered metros), a percentile blend of momentum, value, rental yield, supply and market-heat readings; the metro's long-run house price index has it up 18% over five years and +71% over ten, leaving prices 27% above its own 2000–2019 trend; at the published FY2026 fair market rent of $1,625/mo for a two-bedroom, the gross rental yield on the median listing is about 4.5%; active inventory sits at 108% of its June 2019 level, so supply is fully rebuilt past pre-pandemic norms; listing prices are up 1.7% year over year; all against a national 30-year fixed mortgage rate of 7.28% (national weekly average, 2026-10-01).
Scores are percentile ranks (0–100) across all covered U.S. metros, computed from the public data cited on this page — formulas here. They are data-derived opinions, not investment advice. See how Chico ranks on the trending markets index.
How much is a monthly mortgage payment in Chico?
A home at Chico's $429,000 median listing runs about $2,348 a month in principal and interest — 20% down on a 30-year fixed loan at the current 7.28% national average rate. Taxes, insurance and HOA are extra.
If rates fall 1% · 6.28%
$2,120/mo
−$228/mo vs today
At today's rate · 7.28%
$2,348/mo
National weekly average
If rates rise 1% · 8.28%
$2,586/mo
+$237/mo vs today
Principal & interest on the $429,000 median listing with 20% down and a 30-year fixed loan — excludes taxes, insurance and HOA. Current rate: 7.28% (national weekly average, 2026-10-01). Model a full deal in the deal analyzer.
How much income do you need to buy a home in Chico?
To buy Chico’s $429,000 median listing with 20% down, a household needs about $111,000 a year in gross income, keeping principal, interest and property tax ($2,595/mo) at 28% of income. That is 1.6× the area’s $68,574 median household income, so a typical Chico household cannot afford the median listing on these terms.
| Item | Amount | Basis |
|---|---|---|
| Median listing price | $429,000 | September 2026 |
| Down payment (20%) | $85,800 | Assumption |
| Principal & interest (7.28%, 30-yr fixed) | $2,348/mo | Rate as of 2026-10-01 |
| Property tax (0.69% effective rate) | $247/mo | Census ACS |
| Income needed (28% rule) | $111,000 | Gross household income / yr |
| Median household income | $68,574 | Census ACS 2023 ACS 5-year |
Excludes homeowners insurance, HOA dues and mortgage insurance, so the true income needed is higher. Compare every market in the income-needed ranking and the price-to-income ranking.
What is driving the Chico housing market?
Longer-run demand in Chico shows up in 997 homes permitted in 2025; net migration of +689 residents; +0.1% job growth. Natural-hazard risk rates Relatively Moderate. These federal supply-pipeline, migration and jobs signals shape where prices head next.
Building permits (2025)
997
▲ 5.4% vs 2024
4.8 per 1,000 residents
Net migration (2022–2023)
+689
▲ people, via tax-return records
net income flow −$15.1M/yr
Job growth (YoY)
+0.1%
▲ 77.0k nonfarm jobs · August 2026
Natural-hazard risk
Relatively Moderate
National hazard index · top hazard: Riverine flooding
Based on public government records — building-permit, tax-return migration, employment and natural-hazard statistics, aggregated to the metro. Details on /methodology.
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ReadChico housing market FAQ
What is the median home price in Chico?
As of September 2026, the median listing price in Chico, CA is $429,000, up 1.7% year over year (source: public records and industry data). Figures cover the Chico, CA metro area.
How much does it cost to buy a home in Chico?
The median home listed in Chico asks $429,000 as of September 2026. With 20% down on a 30-year fixed loan at the current 7.28% national average rate, that runs about $2,348 a month in principal and interest, before taxes, insurance and HOA.
How fast are homes selling in Chico?
The median property in Chico spends 67 days on the market, with 662 homes actively listed and 24% of them carrying a price cut — a buyer's market as of September 2026.
Is it a buyer's or seller's market in Chico?
With a median 67 days on market and 24% of active listings carrying a price cut, pending contracts at 27% of active listings, Chico reads as a buyer's market as of September 2026. Labels use WealthyBud's published DOM / sale-to-list / price-cut / pending rule. Conditions shift monthly.
Is Chico a good place to invest in real estate?
Chico scores 53/100 on WealthyBud's Investor Score, ranking #387 of 933 covered U.S. metros as of September 2026. The score blends price momentum, value, rental yield, supply and market heat. It is a data-derived research opinion, not investment advice.
Who are the top real estate agents in Chico?
See WealthyBud directories for the top-producing agents, teams and brokerages serving Chico and the wider California market, ranked by recent sales from public profile data.
Based on public records and industry data, September 2026 — see our methodology for how every figure is computed. Figures cover the Chico, CA metro area. Figures change monthly — verify current conditions with a local agent or MLS. Portions of market data courtesy of Realtor.com and Redfin; additional statistics from U.S. government sources.
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