Eureka, CA home prices
Typical home $412,732 · -2.5% in a year · income needed $113,500
The Eureka, CA metro area ranks 136 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -2.5% in a year and -10.1% over five years. With 20% down at 7.11%, the typical home costs about $2,648 a month including 0.64% property tax (Humboldt County rate).
Mortgage on the typical Eureka home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $82,546 | $330,186 | $2,221 | $0 | $426 | $2,648 | $113,500 |
| 10% down | $41,273 | $371,459 | $2,499 | $155 | $426 | $3,080 | $132,000 |
| 5% down | $20,637 | $392,096 | $2,638 | $163 | $426 | $3,227 | $138,300 |
| 3.5% down (FHA) | $14,446 | $405,257 | $2,726 | $183 | $426 | $3,335 | $142,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.64% 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.
Counties in the Eureka area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Humboldt County, CA | $412,733 | -2.4% | 0.64% |
What can you afford in California on your salary? · California home prices · Salaries in California
Frequently asked questions
How much is a house in Eureka?
The typical home in the Eureka, CA metro area is worth $412,732 (Zillow, September 2026).
What salary do you need to buy a house in Eureka?
About $113,500 a year for the typical home with 20% down at 7.11%.