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City · 93,409 residents · Shasta County, California

Redding , California

In Redding, a typical home is worth $382,300 and typical rent is $1,379 a month. Compared with all of Shasta County, the share of households that own their home is 11 points lower.

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  • Typical home value

    $382,300

    4% above the county

    48% below California

    • Redding
    • Shasta
    • California

  • Typical rent

    $1,379a month

    5% above the county

    32% below California

    • Redding
    • Shasta
    • California

  • Typical household income

    $70,466a year

    3% below the county

    29% below California

    • Redding
    • Shasta
    • California

  • Households that own their home

    55%

    11 points below the county

    1 points below California

    • Redding
    • Shasta
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$385,253
about the same as 12 months ago
Typical rent
$1,647 a month
4.1% more than 12 months ago

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

Redding is in Shasta 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 Shasta County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Redding apart

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

  1. Nearby, in Anderson, the typical rent is $962: 30% less than in Redding ($1,379).

  2. Nearby, in Anderson, the typical home value is $283,000: 26% less than in Redding ($382,300).

  3. 55% of households in Redding own their home, against 66% in Shasta County.

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

The homes here

Housing in Redding

What homes there are in Redding, 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 Redding, 7 in 10 homes are single-family detached houses; in Shasta County, 7.

Year built

By age, homes in Redding look like those in Shasta County: the typical year built is 1983.

By size, homes in Redding look like those in Shasta County: 59% have 3 bedrooms or more.

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

By price, most homes in Redding sit under the FHA limit for Shasta County ($541,287): about 81%.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Shasta County is $1,581: about 62% of rents in Redding are below it.

With a mortgage

$2,000 a month

Shasta County: $1,990 a month

Without a mortgage

$749 a month

Shasta County: $699 a month

Owners with a mortgage

63%

Shasta County: 63%

Owning costs about the same in Redding as in Shasta County: with a mortgage, $2,000 a month; without one, $749.

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, home values in Redding rose at about the same pace as in Shasta County: 44% against 45%.

The typical rent in Redding rose 28% since 2015–2019, about the same as in Shasta County (27%).

While home values in Redding changed +44% and rent +28%, the typical household income rose 30%.

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

MeasureReddingShasta CountyCaliforniaUnited States
Rental vacancy 5.7%5.7%4.2%5.5%
Homeowner vacancy 1.7%1.6%0.8%0.9%
More than one person per room 3.6%3.1%8.2%3.4%
People per household 2.462.502.842.53
Drive alone 78%77%66%69%
Carpool 9%9%10%9%
Public transit Unreliable estimateUnreliable estimate3%3%
Walk or bike 3%3%3%3%
Work from home 9%10%17%15%
Other means 1%1%2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Much as in Shasta County, the rental vacancy rate in Redding is 5.7%.

Much as in Shasta County, 3.6% of households in Redding have more than one person per room.

A household in Redding has 2.46 people on average, about the same as in Shasta County (2.50).

To get to work, 78% of workers in Redding drive alone; in Shasta County, 77%.

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 Redding?

A typical home costs more than the typical income allows

We start with a typical home in Redding, worth $382,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 53% of the typical household income in Redding, which is $70,466 a year. For that payment to be 28% of income, a household would need to earn about $132,613 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Redding. 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 $13,381 (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

$3,094

at 7.18% · 30 years

Loan amount
$375,375
Total interest
$540,077
Paid off in
November 2056

Includes $6,456 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,644 a month

  • Tight

    $1,644 to $2,114 a month

  • Hard

    more than $2,114 a month

    Your payment · 53%

Compared with the typical household income in Redding ($70,466 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,094
Principal & interest$2,543
Property tax$223
Home insurance$159
FHA mortgage insurance (MIP)$169

You need at least $13,381 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

Redding and Shasta County

Redding is in Shasta 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).

Redding's own numbers

Typical home value
$382,300
Typical monthly rent
$1,379
Typical yearly household income
$70,466
Households that own their home
55%
Effective property tax rate
0.7%

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

Numbers for all of Shasta County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,581
Price change over 5 years (FHFA)
+29%
Homes in a high flood-risk zone
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 Shasta County.

Everything about Shasta County

Buying

Buying a home in Redding

A typical home in Redding is worth $382,300: 4% above the county and 48% below California. With the typical household income in Redding ($70,466 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.

  • Redding 5.4 years
  • Shasta 5.0 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Shasta County

According to FHFA’s house price index, home prices in Shasta County rose 65% in the 10 years through 2025.

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

Period County California U.S.
Last year (2025) −0.0% +0.8% +2.9%
5 years (2020–2025) +29% +40% +47%
10 years (2015–2025) +65% +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

Redding next to Shasta 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
  • Redding $382,300
  • Shasta $366,400
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Redding $1,379
  • Shasta $1,317
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Redding $70,466
  • Shasta $72,636
  • California $99,122
  • United States $80,734
See the full table
Redding next to Shasta County and California
Measure Redding Shasta County California U.S.
Typical home value $382,300 $366,400 $734,700 $332,700
Typical monthly rent $1,379 $1,317 $2,036 $1,413
Typical yearly household income $70,466 $72,636 $99,122 $80,734
Households that own their home 55% 66% 56% 65%
Typical yearly property tax $2,673 $2,542 $5,124 $3,119
Effective property tax rate 0.7% 0.69% 0.7% 0.94%
Renters with high rent for their income 52% 53% 55% 51%

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

For a typical $382,300 home in Redding, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Redding's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,094a month

    Least cash to close
    Down payment
    $13,381
    Cash to close
    $24,850
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $169

  • Conventional, 5% down $3,024a month

    Down payment
    $19,115
    Cash to close
    $30,584
    Rate
    7.18%
    Mortgage insurance
    PMI · $182

  • Conventional, 20% down, no PMI $2,454a month

    Down payment
    $76,460
    Cash to close
    $87,929
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,808a month

    Down payment
    $57,345
    Cash to close
    $68,814
    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 Redding and for Shasta County.

Property tax

Effective rate in Redding

0.7%of the home’s value each year

$2,673 a year for the typical owner in Redding.

  • Redding 0.7%
  • Shasta 0.69%
  • California 0.7%

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

Exemptions and deadlines in California

Flood risk in Shasta County

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

Homes in the high-risk zone
3%
2,056
Of those, with NFIP insurance
19%
County California U.S.
Homes in the high-risk zone 3% 2.8% 3.5%
Of those, with NFIP insurance 19% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Redding

Typical rent in Redding is $1,379 a month: 5% above the county. In Redding, 52% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Shasta County, by unit size. To pay the 2-bedroom one ($1,581 a month) without spending more than 30% of your income, you would need to earn $30.40 an hour working full time.

HUD fair market rent for all of Shasta 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 $1,201 $23.10 $48,040
1 bedroom $1,209 $23.25 $48,360
2 bedrooms $1,581 $30.40 $63,240
3 bedrooms $2,189 $42.10 $87,560
4 bedrooms $2,643 $50.83 $105,720

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 Redding

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Redding has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,520 in 96001 to $1,780 in 96003.

1 of the 3 is above the fair market rent for Shasta County ($1,581).

  • 96001 $1,520$2,100
  • 96002 $1,560$2,160
  • 96003 $1,780$2,460

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Redding 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 Redding

HUD lists 20 buildings with rents for lower incomes in Redding. These are the largest.

  • Heritage Plaza Apts 1895 Benton Dr, Redding 96003 180 homes, 156 low-income · Studio: 4 · 1 bd: 56 · 2 bd: 63 · 3 bd: 35 · In service since 2003
  • Shadowbrook Apts 1835 Hartnell Ave, Redding 96002 80 homes, 79 low-income · 3 bd: 40 · 4 bd: 40 · In service since 2001 · For families
  • Laurel Glen Apts 555 Leila Ave, Redding 96002 64 homes, 63 low-income · 1 bd: 24 · 2 bd: 20 · 3 bd: 20 · In service since 2000 · For families
  • Mercy Oaks Village 2355 McAuley Way, Redding 96003 63 homes, 62 low-income · For older adults (530) 242-1797
  • Tree House Senior Apartments 4500 Alder St, Redding 96003 62 homes, 61 low-income · For older adults (530) 246-1086

See all 34 buildings in Shasta County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Redding

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

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Redding

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

The HUD-approved agencies closest to the center of Redding, 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 · 143 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 5 more
    (916) 286-8652

  • Balance - Santa Rosa

    3033 Cleveland Ave, Santa Rosa · 147 miles away

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

  • Greater Sacramento Urban League-Oak Park

    2331 Alhambra Blvd, Sacramento · 147 miles away · Spanish

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

All counseling agencies in California

Help in Spanish near Redding

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 Redding

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

All housing agencies in California Source: HUD

Cities

Other cities in Shasta County

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

Everything about Shasta County Housing in California

Nearby cities

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

Neighboring counties

If Shasta 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 Redding.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Redding

Short answers with the numbers for Redding and all of Shasta 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 Redding?

The typical home value in Redding is $382,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Shasta County it is $366,400.

How much does it cost to rent in Redding?

Typical rent in Redding is $1,379 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Shasta County is $1,581.

What is the FHA loan limit in Redding?

Redding uses the FHA limit for all of Shasta 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 Redding?

The typical homeowner in Redding pays $2,673 a year, according to the U.S. Census Bureau. That is 0.7% of the home’s value; in Shasta County, the rate is 0.69%.

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

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