In Oroville East, a typical home is worth $405,400. Compared with all of Butte County, typical household income is 39% higher and the share of households that own their home is 28 points higher.
Oroville East 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
86% of households in Oroville East own their home, against 57% in Butte County.
2
Nearby, in Thermalito, the typical home value is $254,900: 37% less than in Oroville East ($405,400).
3
The typical household income in Oroville East is $94,512,39% more than in Butte County as a whole ($67,928).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Oroville East
What homes there are in Oroville East, 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
Oroville East
Butte County
California
United States
Kind of home: Oroville East and its comparisons
Measure
Oroville East
Butte County
California
United States
Detached house
84%
61%
57%
61%
Attached house
Unreliable estimate
3%
7%
6%
Building of 2 to 4
Unreliable estimate
10%
8%
8%
Apartments (5 or more)
Unreliable estimate
15%
24%
19%
Mobile home
15%
10%
4%
6%
Boat, RV and other
Unreliable estimate
1%
0%
0%
The detached house rules in Oroville East: 84% of homes, more than in Butte County (61%).
In Oroville East there are many mobile homes: 15% of homes; in Butte County, 10%.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Oroville East
Butte County
California
United States
Year built: Oroville East and its comparisons
Measure
Oroville East
Butte County
California
United States
Before 1960
21%
21%
27%
26%
1960–1979
32%
28%
29%
24%
1980–1999
37%
29%
25%
25%
2000–2009
10%
12%
11%
14%
2010 or later
Unreliable estimate
11%
8%
11%
In Oroville East, half of the homes were built before 1978; in Butte County, before 1981.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K8%
$100K–$200K7%
$200K–$300K14%
$300K–$500K47%
$500K–$750K20%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Oroville East and its comparisons
Measure
Oroville East
Under $100K
8%
$100K–$200K
7%
$200K–$300K
14%
$300K–$500K
47%
$500K–$750K
20%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
About 79% of owner-occupied homes in Oroville East are worth less than the FHA loan limit for Butte County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Oroville East and its comparisons
Measure
Oroville East
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$2,123 a month
Butte County: $2,187 a month
Without a mortgage
$585 a month
Butte County: $689 a month
Owners with a mortgage
60%
Butte County: 58%
The typical cost for an owner with a mortgage in Oroville East is $2,123 a month, near the figure in Butte County ($2,187).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Oroville East+53%
Butte County+56%
California+46%
United States+53%
Typical rent
Oroville EastUnreliable
Butte County+33%
California+36%
United States+33%
Typical household income
Oroville East+72%
Butte County+29%
California+32%
United States+29%
Change since 2015–2019: Oroville East and its comparisons
Measure
Oroville East
Butte County
California
United States
Typical home value
+53%
+56%
+46%
+53%
Typical rent
Unreliable estimate
+33%
+36%
+33%
Typical household income
+72%
+29%
+32%
+29%
The typical home value in Oroville East rose 53% since 2015–2019, about the same as in Butte County (56%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Oroville East and its comparisons
Measure
Oroville East
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
2.48
2.42
2.84
2.53
Drive alone
77%
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
13%
13%
17%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
A household in Oroville East has 2.48 people on average, about the same as in Butte County (2.42).
To get to work, 77% of workers in Oroville East drive alone; in Butte County, 72%.
Do the math
What would you pay each month for a home in Oroville East?
A typical home costs more than the typical income allows
We start with a typical home in Oroville East, worth $405,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Oroville East, which is $94,512 a year. For that payment to be 28% of income, a household would need to earn about $138,455 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 Oroville East. 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 $14,189 (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
$3,231
at 7.18% · 30 years
Loan amount
$398,057
Total interest
$572,711
Paid off in
November 2056
Includes $6,846 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,205 a month
Tight
$2,205 to $2,835 a month
Hard
more than $2,835 a month
Your payment · 41%
Compared with the typical household income in Oroville East ($94,512 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,697
Property tax
$186
Home insurance
$169
FHA mortgage insurance (MIP)
$179
You need at least $14,189 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 $3,231; principal and interest $2,697.
The city and its county
Oroville East and Butte County
Oroville East 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).
Oroville East
Map of Butte County, California, with Oroville East marked. Around it, the neighboring counties.
Oroville East
Butte County
Other cities with a page
Oroville East's own numbers
Typical home value
$405,400
Typical yearly household income
$94,512
Households that own their home
86%
Effective property tax rate
0.55%
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 Oroville East is worth $405,400: 5% below the county and 45% below California. With the typical household income in Oroville East ($94,512 a year), a typical home costs 4.3 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.
Oroville East4.3 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
Oroville East 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
Oroville East$405,400
Butte$424,700
California$734,700
United States$332,700
Typical yearly household income
Oroville East$94,512
Butte$67,928
California$99,122
United States$80,734
See the full table
Oroville East next to Butte County and California
Measure
Oroville East
Butte County
California
U.S.
Typical home value
$405,400 ▼5% below the county
$424,700
$734,700
$332,700
Typical yearly household income
$94,512 ▲39% above the county
$67,928
$99,122
$80,734
Households that own their home
86% ▲28 points above the county
57%
56%
65%
Typical yearly property tax
$2,240 ▼24% below the county
$2,951
$5,124
$3,119
Effective property tax rate
0.55% ▼0.14 points below the county
0.69%
0.7%
0.94%
Renters with high rent for their income
55% ▼5 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 Oroville East
For a typical $405,400 home in Oroville East, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Oroville East's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,231a month
Least cash to close
Down payment
$14,189
Cash to close
$26,351
Rate
7.18%
Mortgage insurance
FHA MIP · $179
Conventional, 5% down$3,156a month
Down payment
$20,270
Cash to close
$32,432
Rate
7.18%
Mortgage insurance
PMI · $193
Conventional, 20% down, no PMI$2,552a month
Down payment
$81,080
Cash to close
$93,242
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,927a month
Down payment
$60,810
Cash to close
$72,972
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Oroville East
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,231
$14,189
$398,057
7.18%
FHA MIP · $179
$26,351
580
Conventional, 5% down
$3,156
$20,270
$385,130
7.18%
PMI · $193
$32,432
620*
Conventional, 20% down, no PMI
$2,552
$81,080
$324,320
7.18%
None
$93,242
620*
ITIN, 15% down (example)
$2,927
$60,810
$344,590
8.18%
None
$72,972
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.
The Census Bureau publishes no typical rent for Oroville East. Below are the fair market rents for Butte County. In Oroville East, 55% 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 Oroville East
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Oroville East is in ZIP code 95966.
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 Oroville East, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
95966
$1,050
$1,150
$1,470
$2,040
$2,460
ZIP code2 bd3 bd
95966 $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 Oroville East 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 Oroville East or Butte County. The ones below are statewide in California: they work in Oroville East 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).
The HUD-approved agencies closest to the center of Oroville East, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
TG
The Greater Sacramento Urban League
3725 Marysville Blvd, Sacramento · 59 miles away · Spanish
No legal help resource on our list is for Oroville East 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 Oroville East 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 Oroville East?
The typical home value in Oroville East is $405,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Butte County it is $424,700.
What is the FHA loan limit in Oroville East?
Oroville East 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 Oroville East?
The typical homeowner in Oroville East pays $2,240 a year, according to the U.S. Census Bureau. That is 0.55% of the home’s value; in Butte County, the rate is 0.69%.
Where can I find free help to buy or rent in Oroville East?
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.
