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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
The typical home in ZIP code 95521 is worth $481,524, fell 4.0% over the past year (Zillow Home Value Index, July 2026). The last median sale price Redfin published for this ZIP was $455,000, -6.7% year over year (through May 2026). With homes going under contract in about 37 days, 95521 is a leaning buyer's. At today's 6.66% 30-year fixed rate, 20% down works out to about $2,476/mo in principal and interest.
Key numbers for ZIP code 95521
Typical home value
$481,524
-4.0% in 12 months
Zillow, July 2026
Typical asking rent
$1,729/mo
Zillow Observed Rent Index
Zillow, July 2026
Median sale price
$455,000
-6.7% year over year
Redfin, through March 2026
Days on market
37
Average pace
Redfin, through March 2026
Active listings
31
Redfin, through March 2026
Sale-to-list ratio
94.3%
Selling below asking
Redfin, through March 2026
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Median household income
$53,114
Home costs 9.1x income
U.S. Census ACS, 2024
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.
Is the 95521 ZIP code a buyer's or seller's market?
ZIP code 95521 is a leaning buyer's and homes selling in about 37 days. We classify markets from months of supply, sale-to-list ratio and days on market together — no single number decides it.
What are the latest 95521 housing market stats?
Redfin's final published month for this ZIP code. Redfin, through March 2026
| Metric | Value |
|---|---|
| Median sale price | $455,000 |
| Median list price | $547,000 |
| Year-over-year price change | -6.7% |
| Median price per sq ft | $336/sq ft |
| Median days on market | 37 days |
| Active inventory | 31 listings |
| Sale-to-list price ratio | 94.3% |
| Homes sold (that month) | 22 |
| Market condition | Leaning buyer's |
Reading these: months of supply is how long it would take to sell every active listing at the current pace (under 4 months of supply tilts toward sellers, 4 to 5 months is the neutral band, and above 5 months tilts toward buyers — above 7 months is a glut.). Days on market is the median time from listing to accepted offer. Sale-to-list ratio above 100% means bidding over asking is normal here. Price per square foot lets you compare differently sized homes, but it should not be used to value your own.
How have 95521 home prices moved?
Over the three years through Redfin's final published month, the median sale price in 95521 fell 5.3%, from $480,500 to $455,000. The live Zillow value series has fell 4.0% in the last 12 months — the more current read now that the Redfin series has stopped. ZIP-level medians swing harder than citywide ones because far fewer homes sell in a month; read the shape of the line, not any single point.
Redfin, through March 2026 — the chart ends at Redfin's final published month.
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How does 95521 compare to Arcata, CA?
95521 sits about 2 miles from downtown Arcata, but we do not hold ZIP and citywide sale rows for the same period, so putting the two numbers side by side would be comparing different months. The Arcata, CA housing market page has the citywide figures, and the comparison tool puts any two markets against each other.
What does it cost to buy a home in 95521?
Priced off the typical home value of $481,524 at the current 6.66% 30-year fixed rate. Principal and interest only — property taxes, insurance, HOA dues and mortgage insurance are on top and vary too much by property for us to guess.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $96,305 | $385,219 | $2,476/mo |
| 5% | $24,076 | $457,448 | $2,940/mo |
Zillow, July 2026 for the price · Freddie Mac via FRED, August 2026 for the rate
Lenders generally want housing costs under 28% of gross income, so the 20%-down payment of $2,476 implies roughly $106,094 a year before taxes and insurance. The median household in this ZIP earns $53,114, about $52,980 short of it — which is why down payment size, not price, usually decides who buys here. Price-to-income runs 9.1x. Typical asking rent here is $1,729/mo, a price-to-rent ratio of 23.2x, which means renting tends to be the cheaper monthly option unless you stay long enough for appreciation to close the gap.
Run it with your own numbers: affordability calculator · mortgage calculator · rent vs. buy calculator
Who lives in 95521?
American Community Survey estimates for this ZIP code tabulation area. U.S. Census ACS, 2024
Population
21,980
Households
9,225
Median income
$53,114/yr
Median age
29.2 years
Owner-occupied
40.2%
Median home value
$501,000
Median gross rent
$1,336/mo
Mean commute
17.18 min
40.2% of occupied homes in this ZIP are owner-occupied — the share that decides how much of the local housing stock ever reaches the for-sale market. Census median gross rent across all leases is $1,336/mo, below Zillow's $1,729/mo asking rent on new leases; the gap is roughly what a mover pays over a stayer.
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.
Homes for sale in 95521
The last count we hold for 95521 is 31 active listings, with a median asking price of $547,000 (Redfin, through May 2026). Properties Incorporated is a data platform, not a listing portal — we publish what homes cost and how fast they move, and we point you at the portals for the inventory itself. Tell us what you are looking for and we will send the Arcata, CA listings that match instead.
95521 housing market FAQ
How much do homes cost in 95521?
The typical home in ZIP code 95521 is worth $481,524 (Zillow Home Value Index, July 2026). The median sale price in the last month Redfin published for this ZIP was $455,000, about $336 per square foot (through May 2026).
Is 95521 a buyer's or seller's market?
ZIP code 95521 reads as a leaning buyer's on the supply and pace-of-sale data we hold. Redfin's ZIP-level series stopped in June 2026, so this classification is frozen rather than live.
Is 95521 cheaper than Arcata, CA?
95521 sits in the Arcata, CA area, but we do not hold ZIP and citywide sale rows for the same period, so a direct price comparison would be mixing months. The Arcata, CA page shows the citywide figures we do have.
What income do you need to buy a home in 95521?
At the current 30-year fixed rate of 6.66%, 20% down on a $481,524 home is about $2,476 a month in principal and interest. Under the standard 28% front-end rule that implies roughly $106,094 in gross annual income, before property taxes, insurance, HOA dues or mortgage insurance. Census puts the median household income in this ZIP at $53,114.
Are home prices rising in 95521?
The typical home value in 95521 fell 4.0% over the last 12 months, from $501,770 to $481,524 (Zillow, July 2026). Zillow's index still refreshes monthly, so this is the current read.
What data do you publish for ZIP code 95521?
Zillow's Home Value Index and Observed Rent Index (monthly, current), Redfin's median sale price, days on market, inventory and months of supply (final period May 2026), U.S. Census ACS demographics, NCES public school records, and Freddie Mac's 30-year fixed rate via FRED for the affordability math. Every figure on this page carries its source and period. Properties Incorporated publishes market data; it does not list homes and does not give financial advice.
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