How much is a home worth in ZIP code 95965?

The typical home in 95965 is worth $306,496, based on the Zillow Home Value Index.

Are home values rising in 95965?

Home values in 95965 are up 2.7% over the past year, and up 0.8% a year over five years.

What is the typical rent in 95965?

A typical home in 95965 rents for about $1,323 a month, a gross rental yield of 5.2%.

What is the property tax rate in 95965?

The effective property tax rate in 95965 is 0.7% — roughly $2,108 a year on a typical home.

ZIP code 95965 has a population of 21,181 and a median household income of $53,198.

HousingHandbookReference data

…

U.S. ZIP Code · CA95965

Butte County · Chico, CA

Typical home value

$306,496^[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year: +2.7%
5-year / yr: +0.8%
10-year / yr: +5.6%

Relative price

vs U.S.: +7.9%
vs metro: -8.6%
vs state: -56.2%

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 95965 is worth $306,496 — 8.6% below the Chico, CA median. Over the past year, values have risen 2.7%. Homes here rent for a typical $1,323 a month — a 5.2% gross rental yield. The effective property tax rate is 0.7%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent: $1,323^[2]
Gross yield: 5.2%^[2]
Cap rate: 3.1%^[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate: 0.7%^[3]
Typical annual tax: $2,108^[3]

#Climate risk

FEMA National Risk Index ratings for Butte County. "Not Applicable" means the hazard does not threaten the county.

Overall risk: Relatively Moderate^[4]
Riverine flood: Relatively Moderate
Coastal flood: Not Applicable
Wildfire: Relatively High
Drought: Very High
Heat wave: Relatively Moderate
Hurricane: Not Applicable
Tornado: Relatively Low
Earthquake: Relatively Moderate
Winter weather: Relatively Low

#Who lives here

Population: 21,181^[3]
Median household income: $53,198^[3]

#Migration

Household moves in and out of Butte County over a year, from IRS tax-return data.

Net migration: +275^[5]
Moved in: 4,691
Moved out: 4,416

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools: 13
Elementary: 6
Middle: 2
High: 2

STREAM Charter
Elementary · Grades K–8 · STREAM Charter District
481 students
Nelson Avenue Middle
Middle · Grades 6–8 · Thermalito Union Elementary
457 students
Sierra Avenue Elementary
Elementary · Grades K–5 · Thermalito Union Elementary
358 students
Plumas Avenue Elementary
Elementary · Grades K–5 · Thermalito Union Elementary
335 students
Poplar Avenue Elementary
Elementary · Grades K–5 · Thermalito Union Elementary
324 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Home value$Monthly rent$

Gross yield5.2%

Net yield (after ~40% expenses)3.1%

Annual rent$15,879

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Home price$Down payment%Interest rate%Loan termyears

Monthly payment$1,550

Loan principal$245,197

Down payment$61,299

Total interest paid$312,735

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Home price$Monthly rent$Down payment%Mortgage rate%Property tax rate% / yrMaintenance% / yrRule of thumb: 1% of home value per year.

Own : rent ratio1.50

Monthly cost to own$1,981

Monthly rent$1,323

Renting is meaningfully cheaper month-to-month.

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation: 69th percentile^[1]
Rental yield: 60th percentile^[2]
Property tax: 46th percentile^[3]

Frequently asked

How much is a home worth in ZIP code 95965?: The typical home in 95965 is worth $306,496, based on the Zillow Home Value Index.
Are home values rising in 95965?: Home values in 95965 are up 2.7% over the past year, and up 0.8% a year over five years.
What is the typical rent in 95965?: A typical home in 95965 rents for about $1,323 a month, a gross rental yield of 5.2%.
What is the property tax rate in 95965?: The effective property tax rate in 95965 is 0.7% — roughly $2,108 a year on a typical home.
Who lives in 95965?: ZIP code 95965 has a population of 21,181 and a median household income of $53,198.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

95966 vs 95965 →
Oroville East CDP, CA
Typical home
$311,952
Gross yield
6.6%
95969 vs 95965 →
Paradise, CA
Typical home
$335,438
Gross yield
5.9%
95954
Magalia CDP, CA
Typical home
$273,466
Gross yield
—
95917
Biggs, CA
Typical home
$344,825
Gross yield
—
95930
Clipper Mills CDP, CA
Typical home
$263,654
Gross yield
—
95968
Palermo CDP, CA
Typical home
$258,930
Gross yield
—

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#Jump to section

U.S. ZIP Code · CA95965

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