Safe Rate Local
Learn about the people, housing, costs and businesses in Chico
Real local data across mortgage, insurance, natural hazard, and place.
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Chico.
True all-in cost — P&I, taxes, insurance & utilities for homes in Chico.
Find and compare lenders active near Chico.
Mortgage rates for Chico are updated daily on Safe Rate using live investor pricing. Rates depend on your credit score, loan type (Conventional, FHA, VA, Jumbo), and down payment. A 30-year fixed rate is the most common product for home purchases.
View current rates for ChicoThe median home value in Chico is $432k. The median monthly rent is $1,443. Annual property taxes average $3k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Chico have increased 2.5% over the past two years. The market has been relatively stable. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,470/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $63k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Chico is $73k/year.
Calculate your buying powerThe largest employment sectors in Chico are public administration (28%) and healthcare (10%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.