Español

Este sitio también está en español. Leer en español

City · 7,389 residents · Butte County, California

Magalia , California

In Magalia, a typical home is worth $280,600 and typical rent is $1,478 a month. Compared with all of Butte County, the typical home value is 34% lower, typical household income is 16% lower, and the share of households that own their home is 26 points higher.

WhatsApp

  • Typical home value

    $280,600

    34% below the county

    62% below California

    • Magalia
    • Butte
    • California

  • Typical rent

    $1,478a month

    5% above the county

    27% below California

    • Magalia
    • Butte
    • California

  • Typical household income

    $56,920a year

    16% below the county

    43% below California

    • Magalia
    • Butte
    • California

  • Households that own their home

    83%

    26 points above the county

    27 points above California

    • Magalia
    • Butte
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$264,771
2% less than 12 months ago

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

Magalia 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Magalia apart

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

  1. 83% of households in Magalia own their home, against 57% in Butte County.

  2. The typical home in Magalia is worth $280,600, 34% less than in Butte County as a whole ($424,700).

  3. Nearby, in Oroville, the typical rent is $1,093: 26% less than in Magalia ($1,478).

  4. Magalia has the 39th largest share of rent-burdened renters of the 616 cities in California with more than 5,000 people (69%).

  5. The typical household income in Magalia is $56,920, 16% less than in Butte County as a whole ($67,928).

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

The homes here

Housing in Magalia

What homes there are in Magalia, 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 Magalia, 6 in 10 homes are single-family detached houses, about the same as in Butte County.

In Magalia there are many mobile homes: 38% of homes; in Butte County, 10%.

Year built

By age, homes in Magalia look like those in Butte County: the typical year built is 1984.

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

At least 91% of owner-occupied homes in Magalia are worth less than $500,000, below the FHA loan limit for Butte County ($541,287).

Monthly rent with utilities

With a mortgage

$2,076 a month

Butte County: $2,187 a month

Without a mortgage

$739 a month

Butte County: $689 a month

Owners with a mortgage

61%

Butte County: 58%

The typical cost for an owner with a mortgage in Magalia is $2,076 a month, less than in Butte County ($2,187); without one, $739.

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, the typical home value in Magalia rose 62%; in Butte County, it rose 56%.

Since 2015–2019, the typical rent in Magalia rose 40%, more than in Butte County (33%).

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

MeasureMagaliaButte CountyCaliforniaUnited States
Rental vacancy Unreliable estimate5.9%4.2%5.5%
Homeowner vacancy Unreliable estimate1.6%0.8%0.9%
More than one person per room Unreliable estimate3.8%8.2%3.4%
People per household 2.432.422.842.53
Drive alone 72%72%66%69%
Carpool Unreliable estimate9%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike Unreliable estimate4%3%3%
Work from home Unreliable estimate13%17%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

A household in Magalia has 2.43 people on average, about the same as in Butte County (2.42).

To get to work, 72% of workers in Magalia drive alone; in Butte County, 72%.

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 Magalia?

A typical home costs more than the typical income allows

We start with a typical home in Magalia, worth $280,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 48% of the typical household income in Magalia, which is $56,920 a year. For that payment to be 28% of income, a household would need to earn about $96,935 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Magalia. 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 $9,821 (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

$2,262

at 7.18% · 30 years

Loan amount
$275,518
Total interest
$396,405
Paid off in
November 2056

Includes $4,739 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,328 a month

  • Tight

    $1,328 to $1,708 a month

  • Hard

    more than $1,708 a month

    Your payment · 48%

Compared with the typical household income in Magalia ($56,920 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,262
Principal & interest$1,866
Property tax$154
Home insurance$117
FHA mortgage insurance (MIP)$124

You need at least $9,821 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

Magalia and Butte County

Magalia 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).

Magalia's own numbers

Typical home value
$280,600
Typical monthly rent
$1,478
Typical yearly household income
$56,920
Households that own their home
83%
Effective property tax rate
0.66%

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.

Everything about Butte County

Buying

Buying a home in Magalia

A typical home in Magalia is worth $280,600: 34% below the county and 62% below California. With the typical household income in Magalia ($56,920 a year), a typical home costs 4.9 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.

  • Magalia 4.9 years
  • Butte 6.3 years
  • California 7.4 years
  • United States 4.1 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.

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

Magalia 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
  • Magalia $280,600
  • Butte $424,700
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Magalia $1,478
  • Butte $1,414
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Magalia $56,920
  • Butte $67,928
  • California $99,122
  • United States $80,734
See the full table
Magalia next to Butte County and California
Measure Magalia Butte County California U.S.
Typical home value $280,600 $424,700 $734,700 $332,700
Typical monthly rent $1,478 $1,414 $2,036 $1,413
Typical yearly household income $56,920 $67,928 $99,122 $80,734
Households that own their home 83% 57% 56% 65%
Typical yearly property tax $1,856 $2,951 $5,124 $3,119
Effective property tax rate 0.66% 0.69% 0.7% 0.94%
Renters with high rent for their income 69% 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 Magalia

For a typical $280,600 home in Magalia, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Magalia's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,262a month

    Least cash to close
    Down payment
    $9,821
    Cash to close
    $18,239
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $124

  • Conventional, 5% down $2,210a month

    Down payment
    $14,030
    Cash to close
    $22,448
    Rate
    7.18%
    Mortgage insurance
    PMI · $133

  • Conventional, 20% down, no PMI $1,792a month

    Down payment
    $56,120
    Cash to close
    $64,538
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,051a month

    Down payment
    $42,090
    Cash to close
    $50,508
    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 Magalia and for Butte County.

Property tax

Effective rate in Magalia

0.66%of the home’s value each year

$1,856 a year for the typical owner in Magalia.

  • Magalia 0.66%
  • Butte 0.69%
  • California 0.7%

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

Exemptions and deadlines in California

Flood risk in Butte County

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

Homes in the high-risk zone
5.6%
4,026
Of those, with NFIP insurance
22%
County California U.S.
Homes in the high-risk zone 5.6% 2.8% 3.5%
Of those, with NFIP insurance 22% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Magalia

Typical rent in Magalia is $1,478 a month: 5% above the county. In Magalia, 69% 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.

HUD fair market rent for all of Butte 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 $1,064 $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 Magalia

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Magalia is in ZIP code 95954.

For 2 bedrooms it is $1,500: $9 less than the fair market rent for Butte County ($1,509).

  • 95954 $1,500$2,080

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

Free help

Help to buy or rent in Magalia

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.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Magalia

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

The HUD-approved agencies closest to the center of Magalia, 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 · 82 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 · 87 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 · 88 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 Magalia

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 Magalia

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

  • County of Butte HSG Auth Public housing and Section 8 vouchers (530) 895-4474

All housing agencies in California Source: HUD

Cities

Other cities in Butte County

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

Everything about Butte County Housing in California

Nearby cities

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

Neighboring counties

If Butte 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 Magalia.

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

Questions

Housing questions about Magalia

Short answers with the numbers for Magalia 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 Magalia?

The typical home value in Magalia is $280,600, 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 Magalia?

Typical rent in Magalia is $1,478 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 Magalia?

Magalia 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 Magalia?

The typical homeowner in Magalia pays $1,856 a year, according to the U.S. Census Bureau. That is 0.66% of the home’s value; in Butte County, the rate is 0.69%.

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

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.

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).