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City · 6,505 residents · Colusa County, California

Colusa , California

In Colusa, a typical home is worth $375,000 and typical rent is $1,132 a month. Compared with all of Colusa County, typical household income is 6% lower.

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  • Typical home value

    $375,000

    5% below the county

    49% below California

    • Colusa
    • County
    • California

  • Typical rent

    $1,132a month

    2% below the county

    44% below California

    • Colusa
    • County
    • California

  • Typical household income

    $71,250a year

    6% below the county

    28% below California

    • Colusa
    • County
    • California

  • Households that own their home

    60%

    2 points below the county

    4 points above California

    • Colusa
    • County
    • California

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$365,135
about the same as 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Colusa is in Colusa County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Colusa County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Colusa apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Marysville, the typical home value is $292,300: 22% less than in Colusa ($375,000).

  2. Colusa has the 38th lowest typical rent of the 648 cities in California with more than 5,000 people ($1,132).

  3. Colusa has the 47th largest share of rent-burdened renters of the 616 cities in California with more than 5,000 people (68%).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Colusa

What homes there are in Colusa, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses are the majority in Colusa (73%), but less so than in Colusa County (80%).

Year built

The typical home in Colusa was built in 1972, 6 years before the typical one in Colusa County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,980 a month

Colusa County: $2,048 a month

Without a mortgage

$562 a month

Colusa County: $603 a month

Owners with a mortgage

59%

Colusa County: 55%

In Colusa, 59% of owners have a mortgage; their typical cost is $1,980 a month, about the same as in Colusa County.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, home values in Colusa rose at about the same pace as in Colusa County: 47% against 48%.

Rents in Colusa rose faster than in Colusa County: 35% since 2015–2019, against 30%.

The typical household income in Colusa rose 39% over that time; home values changed +47% and rent +35%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureColusaColusa CountyCaliforniaUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.2%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate4.9%8.2%3.4%
People per household 2.582.892.842.53
Drive alone 86%82%66%69%
Carpool 7%10%10%9%
Public transit Unreliable estimateUnreliable estimate3%3%
Walk or bike Unreliable estimateUnreliable estimate3%3%
Work from home Unreliable estimate5%17%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

On average, a household in Colusa has 2.58 people, fewer than in Colusa County (2.89).

To get to work, 86% of workers in Colusa drive alone; in Colusa County, 82%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Colusa?

A typical home costs more than the typical income allows

We start with a typical home in Colusa, worth $375,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 51% of the typical household income in Colusa, which is $71,250 a year. For that payment to be 28% of income, a household would need to earn about $128,608 a year.

The calculator's FHA and conventional loan limits are those of all of Colusa County.

Your numbers

Local data
$

Starts at the typical home value in Colusa. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $13,125 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,001

at 7.18% · 30 years

Loan amount
$368,208
Total interest
$529,765
Paid off in
November 2056

Includes $6,333 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,663 a month

  • Tight

    $1,663 to $2,138 a month

  • Hard

    more than $2,138 a month

    Your payment · 51%

Compared with the typical household income in Colusa ($71,250 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,001
Principal & interest$2,494
Property tax$184
Home insurance$156
FHA mortgage insurance (MIP)$166

You need at least $13,125 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Colusa and Colusa County

Colusa is in Colusa County, California. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Colusa's own numbers

Typical home value
$375,000
Typical monthly rent
$1,132
Typical yearly household income
$71,250
Households that own their home
60%
Effective property tax rate
0.59%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Colusa County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,344
Price change over 5 years (FHFA)
+36%
Homes in a high flood-risk zone
7.1%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Colusa County.

Everything about Colusa County

Buying

Buying a home in Colusa

A typical home in Colusa is worth $375,000: 5% below the county and 49% below California. With the typical household income in Colusa ($71,250 a year), a typical home costs 5.3 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Colusa 5.3 years
  • County 5.2 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Colusa County

According to FHFA’s house price index, home prices in Colusa County rose 97% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Colusa County.

Period County California U.S.
Last year (2025) +1.7% +0.8% +2.9%
5 years (2020–2025) +36% +40% +47%
10 years (2015–2025) +97% +80% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Colusa next to Colusa County, California and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Colusa $375,000
  • County $393,400
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Colusa $1,132
  • County $1,157
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Colusa $71,250
  • County $75,672
  • California $99,122
  • United States $80,734
See the full table
Colusa next to Colusa County and California
Measure Colusa Colusa County California U.S.
Typical home value $375,000 $393,400 $734,700 $332,700
Typical monthly rent $1,132 $1,157 $2,036 $1,413
Typical yearly household income $71,250 $75,672 $99,122 $80,734
Households that own their home 60% 62% 56% 65%
Typical yearly property tax $2,210 $2,426 $5,124 $3,119
Effective property tax rate 0.59% 0.62% 0.7% 0.94%
Renters with high rent for their income 68% 55% 55% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Colusa County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Colusa

For a typical $375,000 home in Colusa, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Colusa's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,001a month

    Least cash to close
    Down payment
    $13,125
    Cash to close
    $24,375
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $166

  • Conventional, 5% down $2,932a month

    Down payment
    $18,750
    Cash to close
    $30,000
    Rate
    7.18%
    Mortgage insurance
    PMI · $178

  • Conventional, 20% down, no PMI $2,373a month

    Down payment
    $75,000
    Cash to close
    $86,250
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,720a month

    Down payment
    $56,250
    Cash to close
    $67,500
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Colusa and for Colusa County.

Property tax

Effective rate in Colusa

0.59%of the home’s value each year

$2,210 a year for the typical owner in Colusa.

  • Colusa 0.59%
  • County 0.62%
  • California 0.7%

What California publishes Homeowners' exemption (California State Board of Equalization (BOE))

Exemptions and deadlines in California

Flood risk in Colusa County

FEMA does not publish these numbers by city: they are for all of Colusa County.

Homes in the high-risk zone
7.1%
491
Of those, with NFIP insurance
72%
County California U.S.
Homes in the high-risk zone 7.1% 2.8% 3.5%
Of those, with NFIP insurance 72% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Colusa

Typical rent in Colusa is $1,132 a month: 2% below the county. In Colusa, 68% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Colusa County, by unit size. To pay the 2-bedroom one ($1,344 a month) without spending more than 30% of your income, you would need to earn $25.85 an hour working full time.

HUD fair market rent for all of Colusa County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,073 $20.63 $42,920
1 bedroom $1,080 $20.77 $43,200
2 bedrooms $1,344 $25.85 $53,760
3 bedrooms $1,861 $35.79 $74,440
4 bedrooms $2,221 $42.71 $88,840

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Colusa

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Colusa is in ZIP code 95932.

For 2 bedrooms it is $1,240: $104 less than the fair market rent for Colusa County ($1,344).

  • 95932 $1,240$1,720

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Colusa when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Colusa

HUD lists 4 buildings with rents for lower incomes in Colusa. These are the largest.

  • Colusa Garden Apts 1319 Wescott Rd, Colusa 95932 96 homes, 94 low-income · 1 bd: 32 · 2 bd: 64 · In service since 2011
  • Colusa del Rey 195 E Carson St, Colusa 95932 81 homes, 80 low-income · 2 bd: 40 · 3 bd: 33 · 4 bd: 8 · In service since 2008 · For families
  • Eskaton Frank Jaconetti Manor 232 E Carson St, Colusa 95932 30 homes, 29 low-income · For older adults (530) 458-4960
  • Devonshire Apts 1431 Wescott Rd, Colusa 95932 28 homes, 22 low-income · For families (530) 458-5623

See all 10 buildings in Colusa County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Colusa

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Colusa County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Colusa

No down payment, repair or rent-help program on our list is for Colusa or Colusa County. The ones below are statewide in California: they work in Colusa the same as in the rest of the state.

Which programs do I qualify for? All programs in California

  • MyHome Assistance Program

    Statewide in California

    CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers in California. Offered by California Housing Finance Agency (CalHFA).

    Deferred

    See the program Official page

  • California Dream For All Shared Appreciation Loan

    Statewide in California

    Closed, per the source

    CalHFA down payment loan for first-generation buyers in California; when you sell, you repay the loan plus a share of the home's appreciation. Offered by California Housing Finance Agency (CalHFA).

    Shared appreciation

    See the program Official page

  • MyAccess Program

    Statewide in California

    CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers who use the CalPLUS Access mortgage (FHA or conventional). Offered by California Housing Finance Agency (CalHFA).

    Deferred

    See the program Official page

Housing counselors near Colusa

The HUD-approved agencies closest to the center of Colusa, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • The Greater Sacramento Urban League

    3725 Marysville Blvd, Sacramento · 50 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 5 more
    (916) 286-8652

  • Greater Sacramento Urban League-Oak Park

    2331 Alhambra Blvd, Sacramento · 53 miles away · Spanish

    • Budget and credit workshops
    • Homelessness services
    • and 4 more
    (916) 286-8652

  • Sacramento Neighborhood Housing Services Inc Aka Formally Known As Neighborworks Homeownership Center Sacramento Region

    2411 Alhambra Blvd, Sacramento · 53 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (916) 452-5356

All counseling agencies in California

Help in Spanish near Colusa

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Colusa

HUD lists no housing authority with an office in Colusa County. One in a neighboring county or the state’s may serve the area.

All housing agencies in California Source: HUD

Cities

Other cities in Colusa County

These cities are also in Colusa County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Colusa County Housing in California

Nearby cities

The cities closest to Colusa, with the typical home value.

Neighboring counties

If Colusa County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Colusa.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Colusa

Short answers with the numbers for Colusa and all of Colusa County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Colusa?

The typical home value in Colusa is $375,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Colusa County it is $393,400.

How much does it cost to rent in Colusa?

Typical rent in Colusa is $1,132 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Colusa County is $1,344.

What is the FHA loan limit in Colusa?

Colusa uses the FHA limit for all of Colusa County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Colusa?

The typical homeowner in Colusa pays $2,210 a year, according to the U.S. Census Bureau. That is 0.59% of the home’s value; in Colusa County, the rate is 0.62%.

Where can I find free help to buy or rent in Colusa?

We found no HUD-approved counseling agencies with an office in Colusa County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).