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City · 10,311 residents · Shasta County, California

Shasta Lake , California

In Shasta Lake, a typical home is worth $294,400 and typical rent is $1,298 a month. Compared with all of Shasta County, the typical home value is 20% lower and typical household income is 7% lower.

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  • Typical home value

    $294,400

    20% below the county

    60% below California

    • Shasta Lake
    • Shasta
    • California

  • Typical rent

    $1,298a month

    About the same as the county

    36% below California

    • Shasta Lake
    • Shasta
    • California

  • Typical household income

    $67,401a year

    7% below the county

    32% below California

    • Shasta Lake
    • Shasta
    • California

  • Households that own their home

    68%

    3 points above the county

    12 points above California

    • Shasta Lake
    • Shasta
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$299,117
2.4% more than 12 months ago

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

Shasta Lake 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 Shasta Lake apart

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

  1. Nearby, in Anderson, the typical rent is $962: 26% less than in Shasta Lake ($1,298).

  2. The typical home in Shasta Lake is worth $294,400, 20% less than in Shasta County as a whole ($366,400).

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

The homes here

Housing in Shasta Lake

What homes there are in Shasta Lake, 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 Shasta Lake, 8 in 10 homes are single-family detached houses; in Shasta County, 7.

Year built

By age, homes in Shasta Lake look like those in Shasta County: the typical year built is 1982.

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

About 94% of owner-occupied homes in Shasta Lake are worth less than the FHA loan limit for Shasta County ($541,287).

Monthly rent with utilities

With a mortgage

$1,843 a month

Shasta County: $1,990 a month

Without a mortgage

$614 a month

Shasta County: $699 a month

Owners with a mortgage

64%

Shasta County: 63%

In Shasta Lake, 64% of owners have a mortgage, and their typical cost is $1,843 a month, against $1,990 in Shasta County. Without one it drops to $614.

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 Shasta Lake rose 61%; in Shasta County, it rose 45%.

Rent in Shasta Lake moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureShasta LakeShasta CountyCaliforniaUnited States
Rental vacancy Unreliable estimate5.7%4.2%5.5%
Homeowner vacancy Unreliable estimate1.6%0.8%0.9%
More than one person per room Unreliable estimate3.1%8.2%3.4%
People per household 2.542.502.842.53
Drive alone 81%77%66%69%
Carpool 11%9%10%9%
Public transit Unreliable estimateUnreliable estimate3%3%
Walk or bike Unreliable estimate3%3%3%
Work from home 4%10%17%15%
Other means Unreliable estimate1%2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

A household in Shasta Lake has 2.54 people on average, about the same as in Shasta County (2.50).

To get to work, 81% of workers in Shasta Lake 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 Shasta Lake?

A typical home costs more than the typical income allows

We start with a typical home in Shasta Lake, worth $294,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Shasta Lake, which is $67,401 a year. For that payment to be 28% of income, a household would need to earn about $100,756 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 Shasta Lake. 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 $10,304 (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

$2,351

at 7.18% · 30 years

Loan amount
$289,068
Total interest
$415,901
Paid off in
November 2056

Includes $4,972 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,573 a month

  • Tight

    $1,573 to $2,022 a month

  • Hard

    more than $2,022 a month

    Your payment · 42%

Compared with the typical household income in Shasta Lake ($67,401 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,351
Principal & interest$1,958
Property tax$140
Home insurance$123
FHA mortgage insurance (MIP)$130

You need at least $10,304 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

Shasta Lake and Shasta County

Shasta Lake 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).

Shasta Lake's own numbers

Typical home value
$294,400
Typical monthly rent
$1,298
Typical yearly household income
$67,401
Households that own their home
68%
Effective property tax rate
0.57%

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 Shasta Lake

A typical home in Shasta Lake is worth $294,400: 20% below the county and 60% below California. With the typical household income in Shasta Lake ($67,401 a year), a typical home costs 4.4 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.

  • Shasta Lake 4.4 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

Shasta Lake 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
  • Shasta Lake $294,400
  • Shasta $366,400
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Shasta Lake $1,298
  • Shasta $1,317
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Shasta Lake $67,401
  • Shasta $72,636
  • California $99,122
  • United States $80,734
See the full table
Shasta Lake next to Shasta County and California
Measure Shasta Lake Shasta County California U.S.
Typical home value $294,400 $366,400 $734,700 $332,700
Typical monthly rent $1,298 $1,317 $2,036 $1,413
Typical yearly household income $67,401 $72,636 $99,122 $80,734
Households that own their home 68% 66% 56% 65%
Typical yearly property tax $1,679 $2,542 $5,124 $3,119
Effective property tax rate 0.57% 0.69% 0.7% 0.94%
Renters with high rent for their income 48% 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 Shasta Lake

For a typical $294,400 home in Shasta Lake, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Shasta Lake's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,351a month

    Least cash to close
    Down payment
    $10,304
    Cash to close
    $19,136
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $130

  • Conventional, 5% down $2,297a month

    Down payment
    $14,720
    Cash to close
    $23,552
    Rate
    7.18%
    Mortgage insurance
    PMI · $140

  • Conventional, 20% down, no PMI $1,858a month

    Down payment
    $58,880
    Cash to close
    $67,712
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,130a month

    Down payment
    $44,160
    Cash to close
    $52,992
    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 Shasta Lake and for Shasta County.

Property tax

Effective rate in Shasta Lake

0.57%of the home’s value each year

$1,679 a year for the typical owner in Shasta Lake.

  • Shasta Lake 0.57%
  • 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 Shasta Lake

Typical rent in Shasta Lake is $1,298 a month: about the same as the county. In Shasta Lake, 48% 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 Shasta Lake

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Shasta Lake is in ZIP code 96019.

For 2 bedrooms it is $1,610: $29 more than the fair market rent for Shasta County ($1,581).

  • 96019 $1,610$2,230

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

HUD lists 2 buildings with rents for lower incomes in Shasta Lake. These are the largest.

  • Tara Hills Apts 4555 Riddle Rd, Shasta Lake 96019 60 low-income homes · 3 bd: 30 · 4 bd: 30 · In service since 1999 · For families
  • Valley Ridge Senior Apts 2100 Morningstar Way, Shasta Lake 96019 38 low-income homes · In service since 1991 · For older adults

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

Free help

Help to buy or rent in Shasta Lake

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 man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Shasta Lake

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

The HUD-approved agencies closest to the center of Shasta Lake, 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 · 150 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 · 154 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 · 154 miles away · Spanish

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

All counseling agencies in California

Help in Spanish near Shasta Lake

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 Shasta Lake

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

One other authority has an office in Shasta County: see the list 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 Shasta Lake, 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 Shasta Lake.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Shasta Lake

Short answers with the numbers for Shasta Lake 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 Shasta Lake?

The typical home value in Shasta Lake is $294,400, 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 Shasta Lake?

Typical rent in Shasta Lake is $1,298 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 Shasta Lake?

Shasta Lake 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 Shasta Lake?

The typical homeowner in Shasta Lake pays $1,679 a year, according to the U.S. Census Bureau. That is 0.57% of the home’s value; in Shasta County, the rate is 0.69%.

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

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).