21
$125,000
3735 Shetland Ln
Arcata, CA 95521
2 bd1 ba780 sqft$160/ft²
Mobile home
Mark Crosson · Coldwell Banker Sellers Realty
View photos & details
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Arcata, CA Housing Market
Buyer's market-3.9% YoY
Zillow, July 2026 · Refreshes monthlyRedfin, through May 2026 · No longer updatingFreddie Mac via FRED, August 2026 · Refreshes weekly
The typical home in Arcata, CA is worth $480,134, fell 3.9% over the past year (Zillow Home Value Index, July 2026). The last median sale price Redfin published was $302,500, -36.3% year over year (through May 2026). With 6.0 months of supply and homes going under contract in about 15 days, Arcata is a buyer's market. At today's 6.66% 30-year fixed rate, 20% down on a $480,134 home is about $2,468/mo in principal and interest.
Key numbers for Arcata, CA
Typical home value
$480,134
-3.9% in 12 months
Zillow, July 2026
Typical asking rent
$1,729/mo
Zillow Observed Rent Index
Zillow, July 2026
Median sale price
$302,500
-36.3% year over year
Redfin, through May 2026
Days on market
15
Fast-moving
Redfin, through May 2026
Active listings
24
6.0 months of supply
Redfin, through May 2026
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Median household income
$48,731
Home costs 9.9x income
U.S. Census ACS, 2023
Sale-to-list ratio
92.0%
Selling below asking
Redfin, through May 2026
Zillow figures are as of July 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Arcata a buyer's or seller's market?
Buyer's market6.0 months of supply15 days on market92.0% of asking
Arcata, CA is a buyer's market, based on 6.0 months of supply and homes selling in about 15 days. Above 5 months of supply, homes start accumulating faster than they clear, which is where buyers gain leverage on price, repairs, and closing costs.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Arcata housing market data show?
Every row below is Redfin's final published month for Arcata, CA. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $302,500 |
| Median list price | $702,000 |
| Year-over-year price change | -36.3% |
| Median price per sq ft | $216/sq ft |
| Median days on market | 15 days |
| Active inventory | 24 listings |
| Months of supply | 6.0 months |
| Sale-to-list price ratio | 92.0% |
| Homes sold (that month) | 4 |
| New listings (that month) | 18 |
| Listings with a price cut | 33.3% |
| Market condition | Buyer's market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Arcata is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Arcata is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Arcata home prices moved?
Over the last three years the median sale price in Arcata, CA fell 39.5%, from $500,000 to $302,500. The live Zillow value series has fell 3.9% in the last 12 months, which is the more current read now that Redfin's series has stopped. 33.3% of Arcata listings cut their asking price in the final Redfin month — a high share, and the clearest sign that list prices were running ahead of what buyers would pay. For prices to fall meaningfully from here, supply would have to keep building past 6.0 months while the sale-to-list ratio slips below its current 92.0%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Arcata?
Priced off the typical home value of $480,134 at the current 6.66% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $96,027 | $384,107 | $2,468/mo |
| 5% | $24,007 | $456,127 | $2,931/mo |
Zillow, July 2026 for the price · Freddie Mac via FRED, August 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $2,468, that implies roughly $105,788 a year before you add taxes and insurance. The median household in Arcata earns $48,731, about $57,057 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the typical home value to fit the 28% rule. That puts the price-to-income ratio at 9.9x — well above the 3x that was historically considered affordable, which is why down payment size drives who can buy here.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Arcata in the next 12 months?
Tell us your timeline. We send the Arcata market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Arcata?
Typical asking rent in Arcata, CA is $1,729/mo, against a typical home value of $480,134. That is a price-to-rent ratio of 23.1x, which means renting tends to be the cheaper monthly option unless you stay long enough for appreciation to close the gap. Compared head to head, 20% down puts principal and interest at $2,468 a month — $740 more than renting before taxes and insurance, so the ownership case here rests on equity and appreciation rather than monthly cash flow.
Zillow, July 2026 for both value and rent
Add your own down payment, tax rate and time horizon in the rent vs. buy calculator.
Is inventory rising or falling in Arcata?
Active listings in Arcata, CA went from 33 in May 2025 to 24 in May 2026, a -27.3% change. Falling inventory tightens competition. When supply drops while demand holds, sale-to-list ratios rise before the median sale price does.
| Month | Active listings | New listings |
|---|---|---|
| June 2025 | 31 | 17 |
| July 2025 | 34 | 15 |
| August 2025 | 31 | 8 |
| September 2025 | 27 | 11 |
| October 2025 | 30 | 14 |
| November 2025 | 26 | 7 |
| December 2025 | 18 | 5 |
| January 2026 | 18 | 10 |
| February 2026 | 18 | 5 |
| March 2026 | 18 | 8 |
| April 2026 | 21 | 11 |
| May 2026 | 24 | 18 |
Redfin, through May 2026
How does Arcata compare to California and the U.S.?
Arcata homes sell for $302,500 — 66% below the California median of $887,400. Against the national median of $410,700, Arcata runs 26% lower. Year-over-year, Arcata moved -36.3% against California's +3.4% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Arcata, CA | $302,500 | -36.3% | 15 days |
| California statewide | $887,400 | +3.4% | 33 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Arcata
What buyers should watch
- Months of supply, currently 6.0. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 33.3%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $463 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 6.66%, every full point of rate change moves the payment on a $480,134 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Arcata listing goes under contract in 15 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 92.0% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- In the last published month Arcata added 18 new listings against 4 sales — more competition arriving than clearing, so early timing matters.
- Your equity moved -3.9% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Arcata varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Arcata
There are currently 24 homes listed for sale in Arcata, California. The median listing price is $702K. Featured listings range from $125,000 to $875,000.
New Listing
32
$125,000
2048 Appaloosa Ln
Arcata, CA 95521
2 bd2 ba1,104 sqft$113/ft²
Mobile home
Michelle Bones · Bones Homes Realty
View photos & details
New Build
13
$207,995
3721 Lippizan Way
Arcata, CA 95521
2 bd2 ba1,248 sqft$167/ft²
Mobile home
View photos & details
New Listing
32
$309,000
1741 Victor Blvd
Arcata, CA 95521
2 bd1 ba734 sqft$421/ft²
House15,246 sqft lot
Andrew Parker · Azalea Realty
View photos & details
New Listing
32
$419,000
751 Patrick Ct
Arcata, CA 95521
3 bd2 ba1,100 sqft$381/ft²
House5,663 sqft lot
Christina D'alessandro · RE/MAX Humboldt Realty
View photos & details
New Listing
41
$449,900
2328 Sherri Ct
Arcata, CA 95521
3 bd2 ba1,320 sqft$341/ft²
House5,663 sqft lot
Tracy Helard-Shumard · Coldwell Banker Cutten Realty
View photos & details
43
$525,000
3659 Spear Ave
Arcata, CA 95521
4 bd2 ba2,224 sqft$236/ft²
House14,810 sqft lot
Joe Matteoli · Coldwell Banker Cutten Realty
View photos & details
New Listing
40
$559,000
1754 Virginia Way
Arcata, CA 95521
3 bd2 ba1,506 sqft$371/ft²
House8,712 sqft lot
Christina D'alessandro · RE/MAX Humboldt Realty
View photos & details
New Listing
53
$774,900
2099 Fickle Hill Rd
Arcata, CA 95521
3 bd2 ba1,962 sqft$395/ft²
House1.80 acres
Tracy Helard-Shumard · Coldwell Banker Cutten Realty
View photos & details
New Listing
61
$789,000
3255 Buttermilk Ln
Arcata, CA 95521
3 bd2 ba2,200 sqft$359/ft²
House20,473 sqft lot
Peggy Valadao · Coldwell Banker Cutten Realty
View photos & details
Price Drop −$45K
21
$850,000
57 and 77 F St
Arcata, CA 95521
12 bd6 ba4,800 sqft$177/ft²
Multi-family15,682 sqft lot
Tom Hunt · Corcoran Icon Properties Eureka
View photos & details
New Listing
83
$875,000
221 Russell Ln
Arcata, CA 95521
3 bd2 ba2,000 sqft$438/ft²
House2.56 acres
Jill Hansen-Rice · The Key Real Estate Group
View photos & details
Looking to buy in Arcata?
Get connected with a local real estate expert — free, no obligation.
Active listings
24
Homes on market
Median list price
$702K
Avg. days on market
15
Days until sale
New this week
18
Newly listed
Price drops:33.3%of listings
Sale-to-list:92.0%
How much do homes cost in Arcata by property type?
How the Arcata, CA market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $302,500 | $216/sq ft | 4 | 15 days |
Who lives in Arcata?
American Community Survey estimates for Arcata. U.S. Census ACS, 2023
Population
18,578
Households
7,660
Median income
$48,731/yr
Median age
28 years
Owner-occupied
33.9%
Median home value
$466,600
Median gross rent
$1,287/mo
Mean commute
18.2 min
33.9% of occupied homes in Arcata are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $466,600 against Zillow's $480,134 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions. Census median gross rent (all leases, including long-held ones) is $1,287/mo, below Zillow's $1,729/mo asking rent on new leases — the difference is roughly what a mover pays over a stayer.
Which public schools serve Arcata?
11 schools tracked · 2,941 students
The largest public schools serving Arcata, CA by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
Arcata High
Grades 9-12 · 1,011 students
Pacific Union Elementary
Grades K-8 · 529 students
Arcata Elementary
Grades K-5 · 253 students
Sunny Brae Middle
Grades 6-8 · 240 students
Coastal Grove Charter
Grades K-8 · 220 students
Laurel Tree Charter
Grades K-12 · 173 students
Fuente Nueva Charter
Grades K-5 · 140 students
Northcoast Preparatory and Performing Arts Academy
Grades 6-12 · 130 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Arcata, CA?
Ordered by distance from Arcata, not by size. Compare Arcata side by side with any of them.
Which ZIP codes are in Arcata?
These are the ZIP codes we see on active Arcata listings. Redfin did not publish a matching ZIP-level sale row for the same period, so we are not ranking them by price here — each ZIP page shows exactly what we hold for it.
Arcata housing market FAQ
Is Arcata a buyer's or seller's market?
Arcata, CA is currently a buyer's market. That read comes from 6.0 months of supply, homes going under contract in about 15 days, and sellers getting 92.0% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Arcata?
The typical home in Arcata, CA is worth $480,134 (Zillow Home Value Index, July 2026). The median sale price in the last month Redfin published was $302,500, about $216 per square foot.
Is Arcata cheaper than the rest of California?
Arcata's median sale price of $302,500 is 66% lower than the California statewide median of $887,400, and 26% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Arcata?
Homes in Arcata, CA spent a median of 15 days on market before going under contract, versus 33 days statewide. Under three weeks means well-priced listings move before most buyers can schedule a second showing. (Redfin, through May 2026.)
What income do you need to buy a home in Arcata?
At the current 30-year fixed rate of 6.66%, 20% down on a $480,134 home is about $2,468 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $105,788 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $48,731.
Are home prices rising in Arcata?
The typical home value in Arcata, CA fell 3.9% over the last 12 months, from $499,583 to $480,134 (Zillow, July 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Arcata?
Arcata ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Arcata?
That depends on your timeline, not on a headline. What the data says today: Arcata, CA is a buyer's market with 6.0 months of supply, the 30-year fixed rate is 6.66%, and the price-to-rent ratio of 23.1x means renting tends to be the cheaper monthly option unless you stay long enough for appreciation to close the gap. Properties Incorporated publishes the data; it does not give financial advice.
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