ZIP Code 95503 — Eureka, CA Home Prices (2026)
The typical home in ZIP 95503 (Eureka, California) is worth about $430,000 at roughly $319 per square foot — about the same as the Eureka median and 46% more expensive than the typical U.S. home.
How 95503 compares
ZIP 95503 is a mid-priced ZIP code for Eureka: its typical home value of $430,000 ranks #2 of the 3 Eureka ZIP codes we track (the citywide range runs from $388,000 in 95501 to $441,000 in 95551). Per square foot it costs about $319, against $319 for Eureka as a whole, $455 for California, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 95503 | $430,000 | $319 |
| Eureka, CA | $430,000 | $319 |
| California | $698,000 | $455 |
| United States | $294,000 | $195 |
Home value by size in 95503
Using this ZIP’s rate of about $319 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 | $319,000 |
| 1,500 sq ft | $478,500 |
| 2,000 sq ft | $638,000 |
| 2,500 sq ft | $797,500 |
| 3,000 sq ft | $957,000 |
Salary needed to buy a home in ZIP 95503
To buy the typical $430,000 home in ZIP 95503 with 20% down, you need a household income of roughly $117,000 a year (about $2,730 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $139,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $21,500 | $3,390/mo | $145,000/yr |
| 10% (+PMI) | $43,000 | $3,240/mo | $139,000/yr |
| 20% | $86,000 | $2,730/mo | $117,000/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 95503
At about $319 per square foot, here is roughly how much home different budgets get you in ZIP 95503:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 630 sq ft | below the local median — condos, smaller or older homes |
| $250k | 780 sq ft | below the local median — condos, smaller or older homes |
| $300k | 940 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1250 sq ft | around the typical home here |
| $500k | 1570 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 95503 home.
Estimate a specific home in 95503
The estimator below is pre-set to ZIP 95503 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Eureka ZIP codes by home value
Where 95503 sits among Eureka’s 3 ZIP codes:
ZIP 95503 home prices: frequently asked
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See the full Eureka 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.