Market Overview
Home Prices in Arcata, CA
The median home value in Arcata, CA is $485,896 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 4.2% compared to a year ago and down 5.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Arcata are priced19% above average. Arcata is part of the Eureka-Arcata, CA metro area.
Over the past five years, Arcata home values have fallen by approximately6.4%, reflecting softening conditions in this market.
Price History
Arcata Home Price Trend
City Comparison
Arcata vs. National Median
At $485,896, homes in Arcata cost 19% above the national median of $410,000. Buyers in Arcata should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Arcata?
20% Down Payment
$97,179
on $485,896
Monthly P&I
$2,534/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,218/mo
incl. taxes & insurance
Income Needed
$128,720
gross annual (30% rule)
10% Down Option
$48,590
+ PMI applies
Loan Amount (20% dn)
$388,717
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Arcata, CA?
The median home value in Arcata is $485,896 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 4.2% year-over-year.
How much have home prices changed in Arcata?
Over the past year, home values in Arcata have decreased by 4.2%. Over five years, prices have fallen approximately 6.4%.
How much do I need to earn to buy a home in Arcata?
To comfortably afford the median home price of $485,896 with a 20% down payment ($97,179) at today's rates (6.8%), you'd need a gross annual income of approximately $128,720. This assumes keeping total housing costs at or below 30% of gross income.
How does Arcata compare to the national average home price?
The national median home value is approximately $410,000. At $485,896, homes in Arcata are 19% above the national average.
What metro area is Arcata part of?
Arcata is part of the Eureka-Arcata, CA metropolitan area. Home prices and market conditions can vary across the broader metro region.