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City · 6,046 residents · Del Norte County, California

Crescent City , California

In Crescent City, a typical home is worth $306,500 and typical rent is $1,192 a month. Compared with all of Del Norte County, typical household income is 47% lower, the typical home value is 10% lower, and the share of households that own their home is 38 points lower.

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  • Typical home value

    $306,500

    10% below the county

    58% below California

    • Crescent City
    • Del Norte
    • California

  • Typical rent

    $1,192a month

    3% below the county

    41% below California

    • Crescent City
    • Del Norte
    • California

  • Typical household income

    $35,540a year

    47% below the county

    64% below California

    • Crescent City
    • Del Norte
    • California

  • Households that own their home

    32%

    38 points below the county

    24 points below California

    • Crescent City
    • Del Norte
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$358,518
1% less than 12 months ago
Typical rent
$1,937 a month

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

Crescent City is in Del Norte 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 Del Norte County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Crescent City apart

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

  1. 32% of households in Crescent City own their home, against 70% in Del Norte County.

  2. Crescent City has the 3rd lowest typical household income of the 659 cities in California with more than 5,000 people ($35,540).

  3. Nearby, in Yreka, the typical rent is $987: 17% less than in Crescent City ($1,192).

  4. Crescent City has the 53rd lowest typical rent of the 648 cities in California with more than 5,000 people ($1,192).

  5. Crescent City has the 60th lowest typical home value of the 654 cities in California with more than 5,000 people ($306,500).

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

The homes here

Housing in Crescent City

What homes there are in Crescent City, 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

In Crescent City there is a bit of everything: no kind of home reaches half. The most common are detached houses (35%); in Del Norte County, 60%.

Year built

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

$1,300 a month

Del Norte County: $1,687 a month

Without a mortgage

$501 a month

Del Norte County: $549 a month

Owners with a mortgage

65%

Del Norte County: 50%

The typical cost for an owner with a mortgage in Crescent City is $1,300 a month, less than in Del Norte County ($1,687); without one, $501.

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

Since 2015–2019, homes in Crescent City gained value faster than in Del Norte County: 85% against 56%.

Much as in Del Norte County, the typical rent in Crescent City rose 42% since 2015–2019.

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

MeasureCrescent CityDel Norte 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 estimate3.6%8.2%3.4%
People per household 2.262.602.842.53
Drive alone 48%66%66%69%
Carpool 30%21%10%9%
Public transit Unreliable estimateUnreliable estimate3%3%
Walk or bike Unreliable estimateUnreliable estimate3%3%
Work from home Unreliable estimate7%17%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Crescent City has 2.26 people, fewer than in Del Norte County (2.60).

More people carpool to work in Crescent City than in Del Norte County: 30% against 21%.

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 Crescent City?

A typical home costs more than the typical income allows

We start with a typical home in Crescent City, worth $306,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 83% of the typical household income in Crescent City, which is $35,540 a year. For that payment to be 28% of income, a household would need to earn about $105,116 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Crescent City. 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 $10,728 (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

$2,453

at 7.18% · 30 years

Loan amount
$300,948
Total interest
$432,994
Paid off in
November 2056

Includes $5,176 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $829 a month

  • Tight

    $829 to $1,066 a month

  • Hard

    more than $1,066 a month

    Your payment · 83%

Compared with the typical household income in Crescent City ($35,540 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,453
Principal & interest$2,039
Property tax$151
Home insurance$128
FHA mortgage insurance (MIP)$136

You need at least $10,728 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

Crescent City and Del Norte County

Crescent City is in Del Norte 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).

Crescent City's own numbers

Typical home value
$306,500
Typical monthly rent
$1,192
Typical yearly household income
$35,540
Households that own their home
32%
Effective property tax rate
0.59%

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

Numbers for all of Del Norte County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,406
Price change over 5 years (FHFA)
+50%
Homes in a high flood-risk zone
3.3%

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 Del Norte County.

Everything about Del Norte County

Buying

Buying a home in Crescent City

A typical home in Crescent City is worth $306,500: 10% below the county and 58% below California. With the typical household income in Crescent City ($35,540 a year), a typical home costs 8.6 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.

  • Crescent City 8.6 years
  • Del Norte 5.1 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Del Norte County

According to FHFA’s house price index, home prices in Del Norte County rose 113% in the 10 years through 2025.

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

Period County California U.S.
Last year (2025) +0.9% +0.8% +2.9%
5 years (2020–2025) +50% +40% +47%
10 years (2015–2025) +113% +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

Crescent City next to Del Norte 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
  • Crescent City $306,500
  • Del Norte $342,000
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Crescent City $1,192
  • Del Norte $1,233
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Crescent City $35,540
  • Del Norte $67,058
  • California $99,122
  • United States $80,734
See the full table
Crescent City next to Del Norte County and California
Measure Crescent City Del Norte County California U.S.
Typical home value $306,500 $342,000 $734,700 $332,700
Typical monthly rent $1,192 $1,233 $2,036 $1,413
Typical yearly household income $35,540 $67,058 $99,122 $80,734
Households that own their home 32% 70% 56% 65%
Typical yearly property tax $1,804 $2,099 $5,124 $3,119
Effective property tax rate 0.59% 0.61% 0.7% 0.94%
Renters with high rent for their income 58% 58% 55% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Del Norte 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 Crescent City

For a typical $306,500 home in Crescent City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Crescent City's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,453a month

    Least cash to close
    Down payment
    $10,728
    Cash to close
    $19,923
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $136

  • Conventional, 5% down $2,397a month

    Down payment
    $15,325
    Cash to close
    $24,520
    Rate
    7.18%
    Mortgage insurance
    PMI · $146

  • Conventional, 20% down, no PMI $1,939a month

    Down payment
    $61,300
    Cash to close
    $70,495
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,223a month

    Down payment
    $45,975
    Cash to close
    $55,170
    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 Crescent City and for Del Norte County.

Property tax

Effective rate in Crescent City

0.59%of the home’s value each year

$1,804 a year for the typical owner in Crescent City.

  • Crescent City 0.59%
  • Del Norte 0.61%
  • California 0.7%

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

Exemptions and deadlines in California

Flood risk in Del Norte County

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

Homes in the high-risk zone
3.3%
329
Of those, with NFIP insurance
16%
County California U.S.
Homes in the high-risk zone 3.3% 2.8% 3.5%
Of those, with NFIP insurance 16% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Crescent City

Typical rent in Crescent City is $1,192 a month: 3% below the county. In Crescent City, 58% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Del Norte County, by unit size. To pay the 2-bedroom one ($1,406 a month) without spending more than 30% of your income, you would need to earn $27.04 an hour working full time.

HUD fair market rent for all of Del Norte 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 $979 $18.83 $39,160
1 bedroom $1,292 $24.85 $51,680
2 bedrooms $1,406 $27.04 $56,240
3 bedrooms $1,947 $37.44 $77,880
4 bedrooms $2,322 $44.65 $92,880

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 Crescent City

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Crescent City is in ZIP code 95531.

For 2 bedrooms it is $1,420: $14 more than the fair market rent for Del Norte County ($1,406).

  • 95531 $1,420$1,970

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Crescent City 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 Crescent City

HUD lists 7 buildings with rents for lower incomes in Crescent City. These are the largest.

  • Summer Park Apts 1500 Summer Park Ct, Crescent City 95531 56 low-income homes · 2 bd: 32 · 3 bd: 17 · 4 bd: 8 · In service since 2012 · For families
  • Seabreeze Apts 1045 E Condor St, Crescent City 95531 56 homes, 55 low-income · 1 bd: 20 · 2 bd: 21 · 3 bd: 15 · In service since 2007
  • The Surf Apts (crescent City) 108 H St, Crescent City 95531 56 homes, 55 low-income · Studio: 18 · 1 bd: 38 · In service since 2014
  • Seagull Villa Apts 655 Pacific Ave, Crescent City 95531 50 homes, 49 low-income · 1 bd: 46 · 2 bd: 4 · In service since 2007 · For older adults
  • Redwood Cove 1755 Northcrest Dr, Crescent City 95531 40 homes, 39 low-income · For older adults (707) 465-6045

See all 8 buildings in Del Norte County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Crescent City

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 Del Norte County. The nearest ones are below; many serve by phone or online.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Crescent City

No down payment, repair or rent-help program on our list is for Crescent City or Del Norte County. The ones below are statewide in California: they work in Crescent City 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 Crescent City

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

  • Balance - Santa Rosa

    3033 Cleveland Ave, Santa Rosa · 241 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (800) 777-7526

  • The Greater Sacramento Urban League

    3725 Marysville Blvd, Sacramento · 261 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 · 264 miles away · Spanish

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

All counseling agencies in California

Help in Spanish near Crescent City

2 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 Crescent City

HUD’s record names them for Crescent City or Del Norte County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

All housing agencies in California Source: HUD

Cities

Nearby cities

The cities closest to Crescent City, with the typical home value.

Everything about Del Norte County Housing in California

Neighboring counties

If Del Norte 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 Crescent City.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Crescent City

Short answers with the numbers for Crescent City and all of Del Norte 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 Crescent City?

The typical home value in Crescent City is $306,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Del Norte County it is $342,000.

How much does it cost to rent in Crescent City?

Typical rent in Crescent City is $1,192 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Del Norte County is $1,406.

What is the FHA loan limit in Crescent City?

Crescent City uses the FHA limit for all of Del Norte 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 Crescent City?

The typical homeowner in Crescent City pays $1,804 a year, according to the U.S. Census Bureau. That is 0.59% of the home’s value; in Del Norte County, the rate is 0.61%.

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

We found no HUD-approved counseling agencies with an office in Del Norte 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).