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City · 14,177 residents · Lassen County, California

Susanville , California

In Susanville, a typical home is worth $235,500 and typical rent is $902 a month. Compared with all of Lassen County, the typical home value is 11% lower, typical rent is 10% lower, and the share of households that own their home is 14 points lower.

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  • Typical home value

    $235,500

    11% below the county

    68% below California

    • Susanville
    • Lassen
    • California

  • Typical rent

    $902a month

    10% below the county

    56% below California

    • Susanville
    • Lassen
    • California

  • Typical household income

    $61,641a year

    9% below the county

    38% below California

    • Susanville
    • Lassen
    • California

  • Households that own their home

    54%

    14 points below the county

    2 points below California

    • Susanville
    • Lassen
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$238,732
1.3% more than 12 months ago
Typical rent
$1,230 a month

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

Susanville is in Lassen 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 Lassen County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Susanville apart

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

  1. Susanville has the 2nd lowest typical rent of the 648 cities in California with more than 5,000 people ($902).

  2. Susanville has the 12th lowest typical home value of the 654 cities in California with more than 5,000 people ($235,500).

  3. Susanville has the 12th smallest share of rent-burdened renters of the 616 cities in California with more than 5,000 people (36%).

  4. 54% of households in Susanville own their home, against 68% in Lassen County.

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

The homes here

Housing in Susanville

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

Year built

The typical year built in Susanville is 1975, about the same as in Lassen County (1977).

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

With an FHA limit of $541,287, at least 99% of owner-occupied homes in Susanville sit below it: they are worth less than $500,000.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Lassen County is $1,248; about 71% of rents in Susanville are below it.

With a mortgage

$1,673 a month

Lassen County: $1,756 a month

Without a mortgage

$549 a month

Lassen County: $560 a month

Owners with a mortgage

65%

Lassen County: 57%

Owning costs about the same in Susanville as in Lassen County: with a mortgage, $1,673 a month; without one, $549.

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

The typical home value in Susanville rose 28% since 2015–2019, about the same as in Lassen County (31%).

Since 2015–2019, the typical rent in Susanville did not change clearly, according to the Census.

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

MeasureSusanvilleLassen CountyCaliforniaUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.2%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate2.3%8.2%3.4%
People per household 2.392.572.842.53
Drive alone 75%74%66%69%
Carpool 11%13%10%9%
Public transit Unreliable estimateUnreliable estimate3%3%
Walk or bike Unreliable estimate4%3%3%
Work from home 4%7%17%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Susanville has 2.39 people, fewer than in Lassen County (2.57).

The car rules in Susanville: 75% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

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 Susanville?

A typical home costs more than the typical income allows

We start with a typical home in Susanville, worth $235,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in Susanville, which is $61,641 a year. For that payment to be 28% of income, a household would need to earn about $82,196 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Susanville. 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 $8,243 (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

$1,918

at 7.18% · 30 years

Loan amount
$231,234
Total interest
$332,691
Paid off in
November 2056

Includes $3,977 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,438 a month

  • Tight

    $1,438 to $1,849 a month

  • Hard

    more than $1,849 a month

    Your payment · 37%

Compared with the typical household income in Susanville ($61,641 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,918
Principal & interest$1,566
Property tax$149
Home insurance$98
FHA mortgage insurance (MIP)$104

You need at least $8,243 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

Susanville and Lassen County

Susanville is in Lassen 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).

Susanville's own numbers

Typical home value
$235,500
Typical monthly rent
$902
Typical yearly household income
$61,641
Households that own their home
54%
Effective property tax rate
0.76%

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

Numbers for all of Lassen County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,248
Price change over 5 years (FHFA)
+25%
Homes in a high flood-risk zone
4.5%

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 Lassen County.

Everything about Lassen County

Buying

Buying a home in Susanville

A typical home in Susanville is worth $235,500: 11% below the county and 68% below California. With the typical household income in Susanville ($61,641 a year), a typical home costs 3.8 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.

  • Susanville 3.8 years
  • Lassen 3.9 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Lassen County

According to FHFA’s house price index, home prices in Lassen County rose 64% in the 10 years through 2025.

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

Period County California U.S.
Last year (2025) +7.2% +0.8% +2.9%
5 years (2020–2025) +25% +40% +47%
10 years (2015–2025) +64% +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

Susanville next to Lassen 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
  • Susanville $235,500
  • Lassen $265,300
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Susanville $902
  • Lassen $1,000
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Susanville $61,641
  • Lassen $67,403
  • California $99,122
  • United States $80,734
See the full table
Susanville next to Lassen County and California
Measure Susanville Lassen County California U.S.
Typical home value $235,500 $265,300 $734,700 $332,700
Typical monthly rent $902 $1,000 $2,036 $1,413
Typical yearly household income $61,641 $67,403 $99,122 $80,734
Households that own their home 54% 68% 56% 65%
Typical yearly property tax $1,785 $1,923 $5,124 $3,119
Effective property tax rate 0.76% 0.72% 0.7% 0.94%
Renters with high rent for their income 36% 43% 55% 51%

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

For a typical $235,500 home in Susanville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Susanville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,918a month

    Least cash to close
    Down payment
    $8,243
    Cash to close
    $15,308
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $104

  • Conventional, 5% down $1,875a month

    Down payment
    $11,775
    Cash to close
    $18,840
    Rate
    7.18%
    Mortgage insurance
    PMI · $112

  • Conventional, 20% down, no PMI $1,524a month

    Down payment
    $47,100
    Cash to close
    $54,165
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,741a month

    Down payment
    $35,325
    Cash to close
    $42,390
    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 Susanville and for Lassen County.

Property tax

Effective rate in Susanville

0.76%of the home’s value each year

$1,785 a year for the typical owner in Susanville.

  • Susanville 0.76%
  • Lassen 0.72%
  • California 0.7%

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

Exemptions and deadlines in California

Flood risk in Lassen County

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

Homes in the high-risk zone
4.5%
544
Of those, with NFIP insurance
9.4%
County California U.S.
Homes in the high-risk zone 4.5% 2.8% 3.5%
Of those, with NFIP insurance 9.4% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Susanville

Typical rent in Susanville is $902 a month: 10% below the county. In Susanville, 36% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Lassen County, by unit size. To pay the 2-bedroom one ($1,248 a month) without spending more than 30% of your income, you would need to earn $24.00 an hour working full time.

HUD fair market rent for all of Lassen 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 $884 $17.00 $35,360
1 bedroom $1,046 $20.12 $41,840
2 bedrooms $1,248 $24.00 $49,920
3 bedrooms $1,728 $33.23 $69,120
4 bedrooms $2,086 $40.12 $83,440

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 Susanville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Susanville is in ZIP code 96130.

For 2 bedrooms it is $1,230: $18 less than the fair market rent for Lassen County ($1,248).

  • 96130 $1,230$1,700

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

HUD lists 8 buildings with rents for lower incomes in Susanville. These are the largest.

  • Meadowbrook Parkview Garden Apts 320 Limoneria Ave, Susanville 96130 90 homes, 87 low-income · 1 bd: 48 · 2 bd: 42 · In service since 2013
  • Citrus Manor Apts 500 Limoneria Ave, Susanville 96130 54 homes, 53 low-income · 2 bd: 54 · In service since 2007 · For families
  • Susan River Apts 1625 Riverside Dr, Susanville 96130 41 homes, 40 low-income · 1 bd: 40 · 2 bd: 1 · In service since 2012
  • Lassen Manor I 205 N Mesa St, Susanville 96130 40 homes, 39 low-income · For older adults (530) 257-0888
  • Susanville Gardens Apts 1070 Paiute Ln, Susanville 96130 64 homes, 32 low-income · 1 bd: 8 · 2 bd: 25 · In service since 2001

See all 9 buildings in Lassen County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Susanville

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

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Susanville

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

The HUD-approved agencies closest to the center of Susanville, 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 · 131 miles away · Spanish

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

  • NSC (naca Counseling Subsidiary) - Sacramento, CA

    3336 Bradshaw Rd Ste 100, Sacramento · 135 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    425-892-6222-1385

  • Greater Sacramento Urban League-Oak Park

    2331 Alhambra Blvd, Sacramento · 137 miles away · Spanish

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

All counseling agencies in California

Help in Spanish near Susanville

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 Susanville

HUD lists no housing authority with an office in Lassen County. One in a neighboring county or the state’s may serve the area.

All housing agencies in California Source: HUD

Cities

Nearby cities

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

Everything about Lassen County Housing in California

Neighboring counties

If Lassen 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 Susanville.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Susanville

Short answers with the numbers for Susanville and all of Lassen 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 Susanville?

The typical home value in Susanville is $235,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lassen County it is $265,300.

How much does it cost to rent in Susanville?

Typical rent in Susanville is $902 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lassen County is $1,248.

What is the FHA loan limit in Susanville?

Susanville uses the FHA limit for all of Lassen 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 Susanville?

The typical homeowner in Susanville pays $1,785 a year, according to the U.S. Census Bureau. That is 0.76% of the home’s value; in Lassen County, the rate is 0.72%.

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

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