In Gridley, a typical home is worth $312,800 and typical rent is $1,176 a month. Compared with all of Butte County, the typical home value is 26% lower, typical rent is 17% lower, and the share of households that own their home is 9 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $308,046 to $342,009.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Gridley is in Butte 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 Butte County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical home in Gridley is worth $312,800,26% less than in Butte County as a whole ($424,700).
2
Nearby, in Thermalito, the typical home value is $254,900: 19% less than in Gridley ($312,800).
3
The typical rent in Gridley is $1,176 a month, 17% less than in Butte County as a whole ($1,414).
4
49% of households in Gridley own their home, against 57% in Butte County.
5
Gridley has the 53rd smallest share of rent-burdened renters of the 616 cities in California with more than 5,000 people (43%).
6
Gridley has the 59th lowest typical household income of the 659 cities in California with more than 5,000 people ($57,974).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Gridley
What homes there are in Gridley, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Gridley
Butte County
California
United States
Kind of home: Gridley and its comparisons
Measure
Gridley
Butte County
California
United States
Detached house
79%
61%
57%
61%
Attached house
Unreliable estimate
3%
7%
6%
Building of 2 to 4
9%
10%
8%
8%
Apartments (5 or more)
Unreliable estimate
15%
24%
19%
Mobile home
Unreliable estimate
10%
4%
6%
Boat, RV and other
Unreliable estimate
1%
0%
0%
Detached houses, standing on their own, make up 79% of homes here, against 61% in Butte County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Gridley
Butte County
California
United States
Year built: Gridley and its comparisons
Measure
Gridley
Butte County
California
United States
Before 1960
42%
21%
27%
26%
1960–1979
23%
28%
29%
24%
1980–1999
16%
29%
25%
25%
2000–2009
12%
12%
11%
14%
2010 or later
7%
11%
8%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K40%
$300K–$500K45%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Gridley and its comparisons
Measure
Gridley
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
40%
$300K–$500K
45%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99927%
$1,000–$1,49949%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Gridley and its comparisons
Measure
Gridley
Under $500
Unreliable estimate
$500–$999
27%
$1,000–$1,499
49%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,530 a month
Butte County: $2,187 a month
Without a mortgage
$557 a month
Butte County: $689 a month
Owners with a mortgage
69%
Butte County: 58%
Owning costs less in Gridley: with a mortgage, the typical cost is $1,530 a month; in Butte County, $2,187. Without one, $557.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Gridley+64%
Butte County+56%
California+46%
United States+53%
Typical rent
Gridley+48%
Butte County+33%
California+36%
United States+33%
Typical household income
GridleyNo clear change
Butte County+29%
California+32%
United States+29%
Change since 2015–2019: Gridley and its comparisons
Measure
Gridley
Butte County
California
United States
Typical home value
+64%
+56%
+46%
+53%
Typical rent
+48%
+33%
+36%
+33%
Typical household income
No clear change
+29%
+32%
+29%
The typical home value in Gridley rose 64% since 2015–2019, more than in Butte County (56%).
Rents in Gridley rose faster than in Butte County: 48% since 2015–2019, against 33%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Gridley and its comparisons
Measure
Gridley
Butte County
California
United States
Rental vacancy
Unreliable estimate
5.9%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
1.6%
0.8%
0.9%
More than one person per room
Unreliable estimate
3.8%
8.2%
3.4%
People per household
2.88
2.42
2.84
2.53
Drive alone
85%
72%
66%
69%
Carpool
Unreliable estimate
9%
10%
9%
Public transit
Unreliable estimate
1%
3%
3%
Walk or bike
Unreliable estimate
4%
3%
3%
Work from home
Unreliable estimate
13%
17%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in Gridley has 2.88 people, more than in Butte County (2.42).
In Gridley, 85% of workers drive alone to work; in Butte County, 72%.
Do the math
What would you pay each month for a home in Gridley?
A typical home costs more than the typical income allows
We start with a typical home in Gridley, worth $312,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 52% of the typical household income in Gridley, which is $57,974 a year. For that payment to be 28% of income, a household would need to earn about $108,505 a year.
The calculator's FHA and conventional loan limits are those of all of Butte County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Gridley. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $10,948 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,532
at 7.18% · 30 years
Loan amount
$307,134
Total interest
$441,894
Paid off in
November 2056
Includes $5,282 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,353 a month
Tight
$1,353 to $1,739 a month
Hard
more than $1,739 a month
Your payment · 52%
Compared with the typical household income in Gridley ($57,974 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,081
Property tax
$183
Home insurance
$130
FHA mortgage insurance (MIP)
$138
You need at least $10,948 for the down payment, plus closing costs.
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.
Total monthly payment $2,532; principal and interest $2,081.
The city and its county
Gridley and Butte County
Gridley is in Butte 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).
Gridley
Map of Butte County, California, with Gridley marked. Around it, the neighboring counties.
Gridley
Butte County
Other cities with a page
Gridley's own numbers
Typical home value
$312,800
Typical monthly rent
$1,176
Typical yearly household income
$57,974
Households that own their home
49%
Effective property tax rate
0.7%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Butte County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,509
Price change over 5 years (FHFA)
+23%
Homes in a high flood-risk zone
5.6%
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 Butte County.
A typical home in Gridley is worth $312,800: 26% below the county and 57% below California. With the typical household income in Gridley ($57,974 a year), a typical home costs 5.4 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.
Gridley5.4 years
Butte6.3 years
California7.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Butte County
According to FHFA’s house price index, home prices in Butte County rose 74% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Butte County.
Yearly change in FHFA’s price index in Butte County, 2016 to 2025
2016: +6.9% +6.9% 2016
2017: +6.6% +6.6% 2017
2018: +7.5% +7.5% 2018
2019: +13.0% +13.0% 2019
2020: +1.8% +1.8% 2020
2021: +10.4% +10.4% 2021
2022: +10.1% +10.1% 2022
2023: −1.8% −1.8% 2023
2024: +2.8% +2.8% 2024
2025: +0.5% +0.5% 2025
Change in FHFA’s price index in Butte County, California and the United States
Period
County
California
U.S.
Last year (2025)
+0.5%
+0.8%
+2.9%
5 years (2020–2025)
+23%
+40%
+47%
10 years (2015–2025)
+74%
+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
Gridley next to Butte 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
Gridley$312,800
Butte$424,700
California$734,700
United States$332,700
Typical monthly rent
Gridley$1,176
Butte$1,414
California$2,036
United States$1,413
Typical yearly household income
Gridley$57,974
Butte$67,928
California$99,122
United States$80,734
See the full table
Gridley next to Butte County and California
Measure
Gridley
Butte County
California
U.S.
Typical home value
$312,800 ▼26% below the county
$424,700
$734,700
$332,700
Typical monthly rent
$1,176 ▼17% below the county
$1,414
$2,036
$1,413
Typical yearly household income
$57,974 ▼15% below the county
$67,928
$99,122
$80,734
Households that own their home
49% ▼9 points below the county
57%
56%
65%
Typical yearly property tax
$2,174 ▼26% below the county
$2,951
$5,124
$3,119
Effective property tax rate
0.7% ▲0.01 points above the county
0.69%
0.7%
0.94%
Renters with high rent for their income
43% ▼17 points below the county
60%
55%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Butte 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 Gridley
For a typical $312,800 home in Gridley, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Gridley's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,532a month
Least cash to close
Down payment
$10,948
Cash to close
$20,332
Rate
7.18%
Mortgage insurance
FHA MIP · $138
Conventional, 5% down$2,474a month
Down payment
$15,640
Cash to close
$25,024
Rate
7.18%
Mortgage insurance
PMI · $149
Conventional, 20% down, no PMI$2,008a month
Down payment
$62,560
Cash to close
$71,944
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,297a month
Down payment
$46,920
Cash to close
$56,304
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Gridley
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,532
$10,948
$307,134
7.18%
FHA MIP · $138
$20,332
580
Conventional, 5% down
$2,474
$15,640
$297,160
7.18%
PMI · $149
$25,024
620*
Conventional, 20% down, no PMI
$2,008
$62,560
$250,240
7.18%
None
$71,944
620*
ITIN, 15% down (example)
$2,297
$46,920
$265,880
8.18%
None
$56,304
Set by the lender
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.
Typical rent in Gridley is $1,176 a month: 17% below the county. In Gridley, 43% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Butte County, by unit size. To pay the 2-bedroom one ($1,509 a month) without spending more than 30% of your income, you would need to earn $29.02 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Butte County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,064
$20.46
$42,560
1 bedroom
$1,190
$22.88
$47,600
2 bedrooms
$1,509
$29.02
$60,360
3 bedrooms
$2,090
$40.19
$83,600
4 bedrooms
$2,522
$48.50
$100,880
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 Gridley
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Gridley is in ZIP code 95948.
For 2 bedrooms it is $1,470: $39 less than the fair market rent for Butte County ($1,509).
Fair market rent by ZIP code and size in Gridley, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
95948
$1,050
$1,150
$1,470
$2,040
$2,460
ZIP code2 bd3 bd
95948 $1,470$2,040
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Gridley 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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 Butte County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Gridley or Butte County. The ones below are statewide in California: they work in Gridley the same as in the rest of the state.
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).
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).
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).
No legal help resource on our list is for Gridley or Butte County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Gridley and all of Butte 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 Gridley?
The typical home value in Gridley is $312,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Butte County it is $424,700.
How much does it cost to rent in Gridley?
Typical rent in Gridley is $1,176 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Butte County is $1,509.
What is the FHA loan limit in Gridley?
Gridley uses the FHA limit for all of Butte 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 Gridley?
The typical homeowner in Gridley pays $2,174 a year, according to the U.S. Census Bureau. That is 0.7% of the home’s value; in Butte County, the rate is 0.69%.
Where can I find free help to buy or rent in Gridley?
We found no HUD-approved counseling agencies with an office in Butte County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
