HousingHandbookReference data

U.S. ZIP Code · CA95978

Butte County · Chico, CA

Typical home value

$135,589[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+7.8%
5-year / yr
-3.0%
10-year / yr
+6.2%

Relative price

vs U.S.
-52.3%
vs metro
-59.6%
vs state
-80.6%
ZIP 95978 location in CA
Location of ZIP 95978 in CA

Price history

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

The typical home in 95978 is worth $135,589 — 59.6% below the Chico, CA median. Over the past year, values have risen 7.8%.

#Rent & investment

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

Monthly rent
[2]
Gross yield
[2]
Cap rate
[2]

#Property tax

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

Effective tax rate
[3]
Typical annual tax
[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
142[3]
Median household income
[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

Run the numbers

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

Gross yield
Net yield (after ~40% expenses)
Annual rent

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.

Monthly payment$686
Loan principal$108,471
Down payment$27,118
Total interest paid$138,349

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.

Own : rent ratio
Monthly cost to own$934
Monthly rent

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
13th percentile[1]
Rental yield
[2]
Property tax
[3]

Frequently asked

How much is a home worth in ZIP code 95978?
The typical home in 95978 is worth $135,589, based on the Zillow Home Value Index.
Are home values rising in 95978?
Home values in 95978 are up 7.8% over the past year, and down 3.0% a year over five years.

#Comparable ZIPs

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

  • Berry Creek CDP, CA

    Typical home
    $245,766
    Gross yield
  • Forbestown CDP, CA

    Typical home
    $249,449
    Gross yield
  • Palermo CDP, CA

    Typical home
    $258,930
    Gross yield
  • Clipper Mills CDP, CA

    Typical home
    $263,654
    Gross yield
  • Magalia CDP, CA

    Typical home
    $273,466
    Gross yield
  • Concow CDP, CA

    Typical home
    $306,496
    Gross yield
    5.2%

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#Jump to section