Butte County, California home prices
Typical home $394,052 · +0.2% in a year · property tax 0.69%
The typical home in Butte County is worth $394,052, 48% less than the California typical home ($761,538). Values changed +0.2% in the past year and +0.3% over five years. Homeowners here pay a median 0.69% of their home's value in property tax each year ($2,738 on the typical home), versus 0.72% statewide.
Mortgage on the typical Butte County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $78,810 | $315,242 | $2,121 | $0 | $425 | $2,546 | $109,100 |
| 10% down | $39,405 | $354,647 | $2,386 | $148 | $425 | $2,959 | $126,800 |
| 5% down | $19,703 | $374,349 | $2,518 | $156 | $425 | $3,099 | $132,800 |
| 3.5% down (FHA) | $13,792 | $386,915 | $2,603 | $174 | $425 | $3,202 | $137,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.69% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in California · part of the Chico metro area.
California counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Mariposa County | $385,831 | -0.8% | 0.61% |
| Tuolumne County | $385,440 | -1.2% | 0.66% |
| Fresno County | $404,056 | +1.1% | 0.74% |
| Imperial County | $382,001 | +4.7% | 0.77% |
| Humboldt County | $412,733 | -2.4% | 0.64% |
| Merced County | $413,640 | -0.3% | 0.67% |
| Yuba County | $415,272 | -0.8% | 0.74% |
| Amador County | $415,589 | -0.3% | 0.71% |
| Colusa County | $371,142 | +0.6% | 0.62% |
| Shasta County | $367,699 | +0.0% | 0.69% |
Frequently asked questions
What is the average home price in Butte County, CA?
The typical home value in Butte County is $394,052 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Butte County?
About $109,100 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Butte County?
The median effective rate is 0.69% of home value a year (Census ACS 2024 5-year estimates).