Chico, CA 95926 Real Estate Market Report

ZIP Code: 95926
Report Date: May 2026
Market Temperature: NEUTRAL
Scope: This ZIP code analysis focuses on single-family residential (SFR) properties. Metrics are calculated from recent sales and active listings within the past 90 days.

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Market Overview

This analysis is based on a sample of properties from this ZIP code (up to 200 sold properties and up to 100 active properties). The median prices below are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.

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Market Metrics

Note: The property counts shown above represent only the properties analyzed in this report sample, not the total inventory for this ZIP code. Median prices are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.

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Rental Market

Note: The relationship between property values and rental rates reflects different market dynamics. Higher-priced properties may have lower rental yields due to factors such as luxury market positioning, owner-occupancy preferences, or long-term appreciation strategies rather than immediate rental income maximization.

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Property Taxes

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Liquidity & Velocity

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Market Trends & Context

Understanding Market Temperature

A Neutral market indicates balanced conditions where neither buyers nor sellers have a strong advantage, typically characterized by flat price trends, extended but stable days on market, and moderate inventory relative to sales.

Current Mortgage Rate Context

Market-level mortgage rate comparison for this area:

Current 30-year fixed mortgage rates in Chico, CA are 6.52% compared to the 6.06% average seen when typical loans in this area originated in January 2026.

Note: Interest rate comparisons provide market context. The existing "Interest Rate Pressure" metric above shows the qualitative market impact.

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Key Findings

1. The primary indicator of market value and recent transaction activity is the median sold price 452,500, which anchors local pricing expectations; the price year-over-year trend is up, suggesting modest appreciation that sellers can reference when pricing homes for sale.

2. The median listing price 439,000 sits below the median sold price, which may indicate seller adjustments or sampling variance; agents should prepare for moderate pricing friction by aligning marketing strategy and offer expectations to realized sale levels rather than asking prices.

3. The median days on market 331 signals slower transaction velocity and suggests buyers and sellers should expect extended marketing and negotiation timelines; with market temperature reported as neutral, this points to a more balanced environment where careful pricing and staging will materially affect sale outcomes.

4. Interest rate pressure is listed as elevated and current 30-year fixed mortgage rates are 6.52% compared to the 6.06% average from January 2026, which may constrain some buyer affordability; combined with a median market rent of 1,500 and a median price per square foot of 290, investors and owner-occupiers should explicitly model financing costs when assessing purchase decisions.

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Notable Properties

The following 8 properties represent notable market examples and recent transactions that illustrate key market dynamics. These are illustrative examples selected for their significance (top sales, market benchmarks, quick sales) and are not the basis for the statistical calculations shown above.

Chico, CA 95926 Real Estate Market Report

ZIP Code: 95926
Report Date: May 2026
Market Temperature: NEUTRAL
Scope: This ZIP code analysis focuses on condominium properties. Metrics are calculated from recent condo sales and active listings within the past 90 days.

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Market Overview

This analysis is based on a sample of properties from this ZIP code (up to 200 sold properties and up to 100 active properties). The median prices below are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.

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Market Metrics

Note: The property counts shown above represent only the properties analyzed in this report sample, not the total inventory for this ZIP code. Median prices are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.

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Rental Market

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Property Taxes

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Liquidity & Velocity

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Market Trends & Context

Understanding Market Temperature

A Neutral market indicates balanced conditions where neither buyers nor sellers have a strong advantage, typically characterized by flat price trends, extended but stable days on market, and moderate inventory relative to sales.

Current Mortgage Rate Context

Market-level mortgage rate comparison for this area:

Current 30-year fixed mortgage rates in Chico, CA are 6.52% compared to the 6.06% average seen when typical loans in this area originated in January 2026.

Note: Interest rate comparisons provide market context. The existing "Interest Rate Pressure" metric above shows the qualitative market impact.

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Key Findings

1. The primary market indicator, median sold price, is 222,000, which anchors recent transaction values and suggests pricing is centered near that level given current closed-sales activity.

2. Sales velocity appears slow: the median days on market is 333, which may indicate pricing friction and longer negotiation timelines rather than rapid turnover.

3. Price fundamentals show modest strength: the year-over-year price trend is up and the median price per square foot is 234, while rent pressure is also positive with median market rent at 1,450 and rent year-over-year trend up, supporting steady income-side demand.

4. Market balance is neutral: market temperature reads neutral, inventory in the analyzed sample is relatively constrained compared with recent sales activity (qualitatively described as relatively constrained active supply), but interest rate pressure is notable—elevated—which may temper buyer affordability and slow transaction volumes despite the up price trend.

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Notable Properties

The following 8 properties represent notable market examples and recent transactions that illustrate key market dynamics. These are illustrative examples selected for their significance (top sales, market benchmarks, quick sales) and are not the basis for the statistical calculations shown above.