Market Overview
Home Prices in Carlotta, CA
The median home value in Carlotta, CA is $359,242 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 8.7% compared to a year ago and down 13.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Carlotta are priced12% below average. Carlotta is part of the Eureka-Arcata, CA metro area.
Over the past five years, Carlotta home values have fallen by approximately39.3%, reflecting softening conditions in this market.
Price History
Carlotta Home Price Trend
City Comparison
Carlotta vs. National Median
At $359,242, homes in Carlotta cost 12% below the national median of $410,000. This makes Carlotta a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Carlotta?
20% Down Payment
$71,848
on $359,242
Monthly P&I
$1,874/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,380/mo
incl. taxes & insurance
Income Needed
$95,200
gross annual (30% rule)
10% Down Option
$35,924
+ PMI applies
Loan Amount (20% dn)
$287,394
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 Carlotta, CA?
The median home value in Carlotta is $359,242 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 8.7% year-over-year.
How much have home prices changed in Carlotta?
Over the past year, home values in Carlotta have decreased by 8.7%. Over five years, prices have fallen approximately 39.3%.
How much do I need to earn to buy a home in Carlotta?
To comfortably afford the median home price of $359,242 with a 20% down payment ($71,848) at today's rates (6.8%), you'd need a gross annual income of approximately $95,200. This assumes keeping total housing costs at or below 30% of gross income.
How does Carlotta compare to the national average home price?
The national median home value is approximately $410,000. At $359,242, homes in Carlotta are 12% below the national average.
What metro area is Carlotta part of?
Carlotta is part of the Eureka-Arcata, CA metropolitan area. Home prices and market conditions can vary across the broader metro region.