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City · 17,113 residents · Humboldt County, California

McKinleyville , California

In McKinleyville, a typical home is worth $457,600 and typical rent is $1,607 a month. Compared with all of Humboldt County, typical rent is 25% higher, typical household income is 20% higher, and the share of households that own their home is 6 points higher.

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  • Typical home value

    $457,600

    2% above the county

    38% below California

    • McKinleyville
    • Humboldt
    • California

  • Typical rent

    $1,607a month

    25% above the county

    21% below California

    • McKinleyville
    • Humboldt
    • California

  • Typical household income

    $73,327a year

    20% above the county

    26% below California

    • McKinleyville
    • Humboldt
    • California

  • Households that own their home

    63%

    6 points above the county

    7 points above California

    • McKinleyville
    • Humboldt
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$474,072
3.6% less than 12 months ago
Typical rent
$1,908 a month
2.6% more than 12 months ago

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

McKinleyville is in Humboldt 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 Humboldt County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets McKinleyville apart

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

  1. Nearby, in Crescent City, the typical home value is $306,500: 33% less than in McKinleyville ($457,600).

  2. Nearby, in Fortuna, the typical rent is $1,168: 27% less than in McKinleyville ($1,607).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in McKinleyville fell 3.6%; in California, it rose 0.6%.

  4. The typical rent in McKinleyville is $1,607 a month, 25% more than in Humboldt County as a whole ($1,287).

  5. The typical household income in McKinleyville is $73,327, 20% more than in Humboldt County as a whole ($61,160).

  6. 63% of households in McKinleyville own their home, against 57% in Humboldt County.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in McKinleyville

What homes there are in McKinleyville, 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

The detached house rules in McKinleyville: 76% of homes, more than in Humboldt County (69%).

Year built

Here half of the homes date from 1991 or later; in Humboldt County, from 1973 or later.

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

$2,215 a month

Humboldt County: $2,147 a month

Without a mortgage

$721 a month

Humboldt County: $667 a month

Owners with a mortgage

53%

Humboldt County: 53%

Owning costs about the same in McKinleyville as in Humboldt County: with a mortgage, $2,215 a month; without one, $721.

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 McKinleyville rose 54%; in Humboldt County, it rose 43%.

Since 2015–2019, the typical rent in McKinleyville rose 67%, more than in Humboldt County (31%).

The typical household income in McKinleyville rose 34%: less than home values (+54%) and rent (+67%).

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

MeasureMcKinleyvilleHumboldt CountyCaliforniaUnited States
Rental vacancy Unreliable estimate2.2%4.2%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate3.9%8.2%3.4%
People per household 2.562.372.842.53
Drive alone 76%68%66%69%
Carpool 9%11%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike Unreliable estimate6%3%3%
Work from home 10%13%17%15%
Other means Unreliable estimate2%2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.56 on average, against 2.37 in Humboldt County.

In McKinleyville, 76% of workers drive alone to work; in Humboldt County, 68%.

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 McKinleyville?

A typical home costs more than the typical income allows

We start with a typical home in McKinleyville, worth $457,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 60% of the typical household income in McKinleyville, which is $73,327 a year. For that payment to be 28% of income, a household would need to earn about $157,263 a year.

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

Your numbers

Local data
$

Starts at the typical home value in McKinleyville. 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 $16,016 (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

$3,669

at 7.18% · 30 years

Loan amount
$449,312
Total interest
$646,454
Paid off in
November 2056

Includes $7,728 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,711 a month

  • Tight

    $1,711 to $2,200 a month

  • Hard

    more than $2,200 a month

    Your payment · 60%

Compared with the typical household income in McKinleyville ($73,327 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,669
Principal & interest$3,044
Property tax$233
Home insurance$191
FHA mortgage insurance (MIP)$202

You need at least $16,016 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

McKinleyville and Humboldt County

McKinleyville is in Humboldt 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).

McKinleyville's own numbers

Typical home value
$457,600
Typical monthly rent
$1,607
Typical yearly household income
$73,327
Households that own their home
63%
Effective property tax rate
0.61%

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

Numbers for all of Humboldt County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,554
Price change over 5 years (FHFA)
+34%
Homes in a high flood-risk zone
5%

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 Humboldt County.

Everything about Humboldt County

Buying

Buying a home in McKinleyville

A typical home in McKinleyville is worth $457,600: 2% above the county and 38% below California. With the typical household income in McKinleyville ($73,327 a year), a typical home costs 6.2 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.

  • McKinleyville 6.2 years
  • Humboldt 7.3 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Humboldt County

According to FHFA’s house price index, home prices in Humboldt County rose 74% in the 10 years through 2025.

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

Period County California U.S.
Last year (2025) −0.2% +0.8% +2.9%
5 years (2020–2025) +34% +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

McKinleyville next to Humboldt 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
  • McKinleyville $457,600
  • Humboldt $446,900
  • California $734,700
  • United States $332,700
Typical monthly rent
  • McKinleyville $1,607
  • Humboldt $1,287
  • California $2,036
  • United States $1,413
Typical yearly household income
  • McKinleyville $73,327
  • Humboldt $61,160
  • California $99,122
  • United States $80,734
See the full table
McKinleyville next to Humboldt County and California
Measure McKinleyville Humboldt County California U.S.
Typical home value $457,600 $446,900 $734,700 $332,700
Typical monthly rent $1,607 $1,287 $2,036 $1,413
Typical yearly household income $73,327 $61,160 $99,122 $80,734
Households that own their home 63% 57% 56% 65%
Typical yearly property tax $2,812 $2,858 $5,124 $3,119
Effective property tax rate 0.61% 0.64% 0.7% 0.94%
Renters with high rent for their income 61% 60% 55% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Humboldt 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 McKinleyville

For a typical $457,600 home in McKinleyville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, McKinleyville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,669a month

    Least cash to close
    Down payment
    $16,016
    Cash to close
    $29,744
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $202

  • Conventional, 5% down $3,586a month

    Down payment
    $22,880
    Cash to close
    $36,608
    Rate
    7.18%
    Mortgage insurance
    PMI · $217

  • Conventional, 20% down, no PMI $2,903a month

    Down payment
    $91,520
    Cash to close
    $105,248
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,326a month

    Down payment
    $68,640
    Cash to close
    $82,368
    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 McKinleyville and for Humboldt County.

Property tax

Effective rate in McKinleyville

0.61%of the home’s value each year

$2,812 a year for the typical owner in McKinleyville.

  • McKinleyville 0.61%
  • Humboldt 0.64%
  • California 0.7%

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

Exemptions and deadlines in California

Flood risk in Humboldt County

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

Homes in the high-risk zone
5%
2,542
Of those, with NFIP insurance
9.8%
County California U.S.
Homes in the high-risk zone 5% 2.8% 3.5%
Of those, with NFIP insurance 9.8% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in McKinleyville

Typical rent in McKinleyville is $1,607 a month: 25% above the county. In McKinleyville, 61% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Humboldt County, by unit size. To pay the 2-bedroom one ($1,554 a month) without spending more than 30% of your income, you would need to earn $29.88 an hour working full time.

HUD fair market rent for all of Humboldt 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 $1,122 $21.58 $44,880
1 bedroom $1,188 $22.85 $47,520
2 bedrooms $1,554 $29.88 $62,160
3 bedrooms $2,152 $41.38 $86,080
4 bedrooms $2,597 $49.94 $103,880

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 McKinleyville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). McKinleyville is in ZIP code 95519.

For 2 bedrooms it is $1,790: $236 more than the fair market rent for Humboldt County ($1,554).

  • 95519 $1,790$2,480

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

HUD lists 3 buildings with rents for lower incomes in McKinleyville. These are the largest.

  • Murray Apts 1423 Reasor Rd, McKinleyville 95519 50 homes, 49 low-income · 1 bd: 14 · 2 bd: 25 · 3 bd: 11 · In service since 2008
  • Redwood Creek Apts 1740 Sutter Rd, McKinleyville 95519 48 low-income homes · In service since 1989 · For families
  • Misty Village Apts 2313 McKinleyville Ave, McKinleyville 95519 24 homes, 23 low-income · 1 bd: 14 · 2 bd: 7 · 3 bd: 2 · In service since 2001

See all 33 buildings in Humboldt County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in McKinleyville

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

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in McKinleyville

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

The HUD-approved agencies closest to the center of McKinleyville, 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 · 186 miles away

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

  • The Greater Sacramento Urban League

    3725 Marysville Blvd, Sacramento · 213 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 · 216 miles away · Spanish

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

All counseling agencies in California

Help in Spanish near McKinleyville

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 McKinleyville

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

  • Housing Authority of the County of Humboldt Section 8 vouchers (707) 443-4583

One other authority has an office in Humboldt County: see the list Source: HUD

Cities

Other cities in Humboldt County

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

Everything about Humboldt County Housing in California

Nearby cities

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

Neighboring counties

If Humboldt 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 McKinleyville.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about McKinleyville

Short answers with the numbers for McKinleyville and all of Humboldt 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 McKinleyville?

The typical home value in McKinleyville is $457,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Humboldt County it is $446,900.

How much does it cost to rent in McKinleyville?

Typical rent in McKinleyville is $1,607 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Humboldt County is $1,554.

What is the FHA loan limit in McKinleyville?

McKinleyville uses the FHA limit for all of Humboldt 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 McKinleyville?

The typical homeowner in McKinleyville pays $2,812 a year, according to the U.S. Census Bureau. That is 0.61% of the home’s value; in Humboldt County, the rate is 0.64%.

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

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