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Sarah Mitchell
Compass Real Estate · ZIP 95521
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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95521 ZIP Code Housing Market
$455,000median sale price
What is the 95521 housing market like right now?
The median home sale price in ZIP code 95521 is $455,000, down 6.7% year-over-year. Homes sell in an average of 37 days with 31 active listings. The market is currently a leaning buyer's. (Source: Redfin monthly MLS data, as of March 2026 — the most recent Redfin release; Redfin publishes each month's data on a ~6-week lag.)
Is the 95521 ZIP code a buyer's or seller's market?
ZIP code 95521 is currently a leaning buyer's and homes selling in about 37 days. How we determine this →
What are the latest 95521 housing market stats?
| Metric | Value |
|---|---|
| Median sale price | $455,000 |
| Median list price | $547,000 |
| Year-over-year price change | -6.7% |
| Average days on market | 37 days |
| Active inventory | 31 listings |
| Sale-to-list price ratio | 94.3% |
| Market condition | Leaning buyer's |
Source: Redfin · Updated monthly
The 95521 zip code, located in Arcata, CA, is currently classified as a leaning buyer's. The median sale price stands at $455,000, representing a -6.7% change year over year. Homes in this area spend an average of 37 days on the market before going under contract. There are currently 31 active listings in the area, which influences how much negotiating power buyers and sellers have.
ZIP 95521 sits in the Arcata, CA area, roughly 2 miles from downtown Arcata. Because home prices are set street by street, this ZIP can move differently from Arcata's citywide averages. The figures below reflect 95521 specifically — drawn from Redfin transactions, U.S. Census data for its 21,980 residents, and Zillow value estimates.
Homes sold
22
Last 12 weeks
Days on market
37
Average pace
Active listings
31
Sale-to-list
94.3%
Below asking
Market trends
What is driving the 95521 housing market?
The 95521 real estate market is shaped by a combination of local demand, housing supply, and broader economic trends. As a leaning buyer's, homes are selling at approximately 94.3% of their listed price.
Year-over-year price trends are one of the most important indicators for both homebuyers and investors. Prices in 95521 have declined -6.7% compared to last year, which may present opportunities for buyers looking to enter the market at a lower price point. For context, it's valuable to compare this trend against neighboring zip codes and the broader metro area to determine whether this performance is localized or part of a regional pattern.
The Zillow Home Value Index (ZHVI) for 95521 stands at $487,771, which represents Zillow's estimate of the typical home value in the area. The Zillow Observed Rent Index (ZORI) indicates typical rents of $1,576 per month. This gives a price-to-rent ratio of approximately 25.8, which indicates that renting may be more cost-effective than buying in the short term, though long-term appreciation could shift that calculus. Use our mortgage calculator to estimate monthly payments based on current home values and interest rates.
Who lives in 95521?
Population
21,980
Median income
$53,114/yr
Median age
29.2 years
Owner-occupied
40.2%
College grads
46.4%
Avg commute
17.18 min
What is it like living in 95521?
Zip code 95521 is home to approximately 21,980 residents. The median household income is $53,114 per year, which shapes the types of homes and amenities available in the area. With a median age of 29.2 years, the community's age profile influences everything from school enrollment to local business types and recreational offerings. Approximately 40.2% of housing units are owner-occupied, showing a healthy mix of homeowners and renters that contributes to a diverse community.
About 46.4% of residents hold a bachelor's degree or higher, which often correlates with access to knowledge-economy jobs and higher earning potential in the area. The average commute time is 17.18 minutes, which is shorter than the national average and suggests good proximity to employment centers. These demographic factors, combined with the market data above, help paint a complete picture of what it's like to live and own property in 95521.
Which public schools serve ZIP 95521?
13 schools tracked · 3,174 students
The largest public schools serving ZIP code 95521 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
Redwood Coast Montessori
Grades K-12 · 185 students
Laurel Tree Charter
Grades K-12 · 173 students
Fuente Nueva Charter
Grades K-5 · 140 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Frequently asked questions about 95521
What is the median home price in 95521?
The current median sale price in 95521 is $455,000, based on recent Redfin transaction data. Prices have changed -6.7% compared to last year. For the most up-to-date pricing and to see how this compares to nearby areas, use our comparison tool.
Is 95521 a buyer's or seller's market?
The 95521 zip code is currently classified as a leaning buyer's. This assessment is based on key indicators including months of supply, sale-to-list price ratios, and average days on market.
What is the population of zip code 95521?
Zip code 95521 has a population of approximately 21,980 residents. The median household income is $53,114 per year. About 40.2% of homes are owner-occupied. This data is sourced from the U.S. Census Bureau and is updated annually.
How do I research neighborhoods in 95521?
Properties Incorporated provides comprehensive data for 95521 including median home prices, price history charts, days on market, active inventory, and Census Bureau demographics. To compare this area with other zip codes or cities, use our comparison tool. For mortgage planning, our mortgage calculator estimates monthly payments based on current prices and interest rates.
How often is the data for 95521 updated?
Market data on Properties Incorporated is updated regularly as new information becomes available. Redfin sales data is typically refreshed monthly, Zillow home value and rent estimates update monthly, and Census Bureau demographics are updated annually.
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