ZIP Code 95926 — Chico, CA Home Prices (2026)
The typical home in ZIP 95926 (Chico, California) is worth about $436,000 at roughly $268 per square foot — 5% more affordable than the Chico median and 48% more expensive than the typical U.S. home.
How 95926 compares
ZIP 95926 is one of the more affordable ZIP codes in Chico: its typical home value of $436,000 ranks #3 of the 3 Chico ZIP codes we track (the citywide range runs from $436,000 in 95926 to $502,000 in 95973). Per square foot it costs about $268, against $304 for Chico as a whole, $455 for California, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 95926 | $436,000 | $268 |
| Chico, CA | $461,000 | $304 |
| California | $698,000 | $455 |
| United States | $294,000 | $195 |
Home value by size in 95926
Using this ZIP’s rate of about $268 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $268,000 |
| 1,500 sq ft | $402,000 |
| 2,000 sq ft | $536,000 |
| 2,500 sq ft | $670,000 |
| 3,000 sq ft | $804,000 |
Salary needed to buy a home in ZIP 95926
To buy the typical $436,000 home in ZIP 95926 with 20% down, you need a household income of roughly $119,000 a year (about $2,770 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $141,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $21,800 | $3,440/mo | $147,000/yr |
| 10% (+PMI) | $43,600 | $3,290/mo | $141,000/yr |
| 20% | $87,200 | $2,770/mo | $119,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 95926
At about $268 per square foot, here is roughly how much home different budgets get you in ZIP 95926:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 750 sq ft | below the local median — condos, smaller or older homes |
| $250k | 930 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1120 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1490 sq ft | around the typical home here |
| $500k | 1870 sq ft | around the typical home here |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 95926 home.
Estimate a specific home in 95926
The estimator below is pre-set to ZIP 95926 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Chico ZIP codes by home value
Where 95926 sits among Chico’s 3 ZIP codes:
ZIP 95926 home prices: frequently asked
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See the full Chico home values page, all California cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.