Modoc County, CA Average Home Price (2026)
The average home price in Modoc County, California is about $224,000 (the 2026 median across 9 ZIP codes, at ~$206/sq ft) — 67% more affordable than the California median and 22% more affordable than the typical U.S. home.
How Modoc County compares
Modoc County is about average for housing nationally: its typical home costs $224,000 against $688,000 for California and $289,000 for the U.S. Within the county, ZIP-level values run from about $157,000 to $707,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Modoc County | $224,000 | $206 |
| California | $688,000 | $451 |
| United States | $289,000 | $193 |
Modoc County home prices by ZIP code
The 9 most valuable ZIP codes in Modoc County (of 9 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 96112 Fort Bidwell | $707,000 | $372 | +216% |
| 97635 New Pine Creek | $589,000 | $310 | +163% |
| 96115 Lake City | $391,000 | $206 | +75% |
| 96015 Canby | $232,000 | $122 | +4% |
| 96054 Lookout | $224,000 | $259 | +0% |
| 96104 Cedarville | $222,000 | $220 | -1% |
| 96108 Davis Creek | $217,000 | $114 | -3% |
| 96101 Alturas | $178,000 | $166 | -21% |
| 96134 Tulelake | $157,000 | $164 | -30% |
Home value appreciation in Modoc County
Home prices in Modoc County have risen about 76% over the last 10 years (≈5.8% a year) and +56.3% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +1.8% — still rising. A home worth $224,000 today was worth roughly $127,128 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, California is +80.3% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Modoc County
Run the numbers for Modoc County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Modoc County
To buy the typical $224,000 home in Modoc County with 20% down, you need a household income of roughly $61,000 a year (about $1,420 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $72,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $11,200 | $1,770/mo | $76,000/yr |
| 10% (+PMI) | $22,400 | $1,690/mo | $72,000/yr |
| 20% | $44,800 | $1,420/mo | $61,000/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 Modoc County
At about $206 per square foot, here is roughly how much home different budgets get you in Modoc County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 730 sq ft | below the local median — condos, smaller or older homes |
| $200k | 970 sq ft | around the typical home here |
| $250k | 1210 sq ft | around the typical home here |
| $300k | 1460 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 1940 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to California.
Estimate a specific home in Modoc County
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Modoc County home prices: frequently asked
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Browse all California cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.