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City · 16,304 residents · Mendocino County, California

Ukiah , California

In Ukiah, a typical home is worth $458,400 and typical rent is $1,331 a month. Compared with all of Mendocino County, the typical home value is 11% lower and the share of households that own their home is 17 points lower.

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  • Typical home value

    $458,400

    11% below the county

    38% below California

    • Ukiah
    • Mendocino
    • California

  • Typical rent

    $1,331a month

    About the same as the county

    35% below California

    • Ukiah
    • Mendocino
    • California

  • Typical household income

    $66,160a year

    3% below the county

    33% below California

    • Ukiah
    • Mendocino
    • California

  • Households that own their home

    45%

    17 points below the county

    11 points below California

    • Ukiah
    • Mendocino
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$470,925
2% less than 12 months ago
Typical rent
$1,921 a month
6% more than 12 months ago

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

Ukiah is in Mendocino County. The FHA loan limit ($546,250 for a one-unit home), the fair market rents and the help on this page are those of all of Mendocino County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Ukiah apart

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

  1. Nearby, in Clearlake, the typical home value is $214,200: 53% less than in Ukiah ($458,400).

  2. 45% of households in Ukiah own their home, against 62% in Mendocino County.

  3. Nearby, in Lakeport, the typical rent is $1,063: 20% less than in Ukiah ($1,331).

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

The homes here

Housing in Ukiah

What homes there are in Ukiah, 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

No kind of home is the majority in Ukiah; the largest group, detached houses, adds up to 49%, less than in Mendocino County (72%).

Year built

In Ukiah, half of the homes were built before 1975; in Mendocino County, before 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
Monthly rent with utilities

About 73% of rented homes in Ukiah cost less than HUD's 2-bedroom fair market rent for Mendocino County ($1,683).

With a mortgage

$2,377 a month

Mendocino County: $2,417 a month

Without a mortgage

$766 a month

Mendocino County: $761 a month

Owners with a mortgage

59%

Mendocino County: 51%

In Ukiah, 59% of owners have a mortgage; their typical cost is $2,377 a month, about the same as in Mendocino County.

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

Homes in Ukiah gained value more slowly than in Mendocino County: 31% since 2015–2019, against 36%.

Rents in Ukiah rose more slowly than in Mendocino County: 11% since 2015–2019, against 15%.

The typical household income in Ukiah rose 33% over that time; home values changed +31% and rent +11%.

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

MeasureUkiahMendocino CountyCaliforniaUnited States
Rental vacancy Unreliable estimate2.8%4.2%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate5.0%8.2%3.4%
People per household 2.532.532.842.53
Drive alone 70%71%66%69%
Carpool 11%10%10%9%
Public transit Unreliable estimateUnreliable estimate3%3%
Walk or bike 8%6%3%3%
Work from home 8%12%17%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

By size, households in Ukiah look like those in Mendocino County: 2.53 people on average.

To get to work, 70% of workers in Ukiah drive alone; in Mendocino County, 71%.

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 Ukiah?

A typical home costs more than the typical income allows

We start with a typical home in Ukiah, worth $458,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 68% of the typical household income in Ukiah, which is $66,160 a year. For that payment to be 28% of income, a household would need to earn about $159,830 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Ukiah. 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 $16,044 (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

$3,729

at 7.18% · 30 years

Loan amount
$450,097
Total interest
$647,584
Paid off in
November 2056

Includes $7,741 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,544 a month

  • Tight

    $1,544 to $1,985 a month

  • Hard

    more than $1,985 a month

    Your payment · 68%

Compared with the typical household income in Ukiah ($66,160 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,729
Principal & interest$3,049
Property tax$287
Home insurance$191
FHA mortgage insurance (MIP)$203

You need at least $16,044 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

Ukiah and Mendocino County

Ukiah is in Mendocino 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).

Ukiah's own numbers

Typical home value
$458,400
Typical monthly rent
$1,331
Typical yearly household income
$66,160
Households that own their home
45%
Effective property tax rate
0.75%

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

Numbers for all of Mendocino County

FHA limit, one-unit home
$546,250
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,683
Price change over 5 years (FHFA)
+23%
Homes in a high flood-risk zone
4.8%

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 Mendocino County.

Everything about Mendocino County

Buying

Buying a home in Ukiah

A typical home in Ukiah is worth $458,400: 11% below the county and 38% below California. With the typical household income in Ukiah ($66,160 a year), a typical home costs 6.9 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.

  • Ukiah 6.9 years
  • Mendocino 7.5 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Mendocino County

According to FHFA’s house price index, home prices in Mendocino County rose 59% in the 10 years through 2025.

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

Period County California U.S.
Last year (2025) +0.7% +0.8% +2.9%
5 years (2020–2025) +23% +40% +47%
10 years (2015–2025) +59% +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

Ukiah next to Mendocino 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
  • Ukiah $458,400
  • Mendocino $512,200
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Ukiah $1,331
  • Mendocino $1,317
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Ukiah $66,160
  • Mendocino $68,092
  • California $99,122
  • United States $80,734
See the full table
Ukiah next to Mendocino County and California
Measure Ukiah Mendocino County California U.S.
Typical home value $458,400 $512,200 $734,700 $332,700
Typical monthly rent $1,331 $1,317 $2,036 $1,413
Typical yearly household income $66,160 $68,092 $99,122 $80,734
Households that own their home 45% 62% 56% 65%
Typical yearly property tax $3,445 $3,545 $5,124 $3,119
Effective property tax rate 0.75% 0.69% 0.7% 0.94%
Renters with high rent for their income 59% 55% 55% 51%

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

For a typical $458,400 home in Ukiah, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ukiah's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,729a month

    Least cash to close
    Down payment
    $16,044
    Cash to close
    $29,796
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $203

  • Conventional, 5% down $3,645a month

    Down payment
    $22,920
    Cash to close
    $36,672
    Rate
    7.18%
    Mortgage insurance
    PMI · $218

  • Conventional, 20% down, no PMI $2,962a month

    Down payment
    $91,680
    Cash to close
    $105,432
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,386a month

    Down payment
    $68,760
    Cash to close
    $82,512
    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 Ukiah and for Mendocino County.

Property tax

Effective rate in Ukiah

0.75%of the home’s value each year

$3,445 a year for the typical owner in Ukiah.

  • Ukiah 0.75%
  • Mendocino 0.69%
  • California 0.7%

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

Exemptions and deadlines in California

Flood risk in Mendocino County

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

Homes in the high-risk zone
4.8%
1,577
Of those, with NFIP insurance
17%
County California U.S.
Homes in the high-risk zone 4.8% 2.8% 3.5%
Of those, with NFIP insurance 17% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Ukiah

Typical rent in Ukiah is $1,331 a month: about the same as the county. In Ukiah, 59% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Mendocino County, by unit size. To pay the 2-bedroom one ($1,683 a month) without spending more than 30% of your income, you would need to earn $32.37 an hour working full time.

HUD fair market rent for all of Mendocino 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 $1,209 $23.25 $48,360
1 bedroom $1,287 $24.75 $51,480
2 bedrooms $1,683 $32.37 $67,320
3 bedrooms $2,330 $44.81 $93,200
4 bedrooms $2,610 $50.19 $104,400

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 Ukiah

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ukiah is in ZIP code 95482.

For 2 bedrooms it is $1,670: $13 less than the fair market rent for Mendocino County ($1,683).

  • 95482 $1,670$2,310

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

HUD lists 15 buildings with rents for lower incomes in Ukiah. These are the largest.

  • Ukiah Autumn Leaves 425 E Gobbi St, Ukiah 95482 92 homes, 81 low-income · For older adults (707) 462-5550
  • Brush Meadow Apartments 350 Brush St, Ukiah 95482 72 homes, 71 low-income · 2 bd: 24 · 3 bd: 36 · 4 bd: 12 · In service since 2019 · For families
  • Orchard Manor Apts 610 N Orchard Ave, Ukiah 95482 64 homes, 63 low-income · 1 bd: 25 · 2 bd: 35 · 3 bd: 4 · In service since 2003 · For families (707) 468-5810
  • Summercreek Village 755 Village Cir, Ukiah 95482 64 homes, 63 low-income · 2 bd: 24 · 3 bd: 32 · 4 bd: 8 · In service since 2004 · For families
  • Orchard Village 548 Ford St, Ukiah 95482 49 homes, 48 low-income · 1 bd: 16 · 2 bd: 20 · 3 bd: 12 · In service since 2003 · For families (707) 468-5810

See all 25 buildings in Mendocino County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Ukiah

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

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Ukiah

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

The HUD-approved agencies closest to the center of Ukiah, 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 · 54 miles away

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

  • Fair Housing Advocates of Northern California

    851 Irwin St, San Rafael · 89 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 3 more
    (415) 457-5025

  • Richmond Neighborhood Housing Services, Inc

    3220 Blume Dr Ste 198, Richmond · 94 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 3 more
    510-237-6459-1601

All counseling agencies in California

Help in Spanish near Ukiah

1 of the 3 agencies on this list says it serves 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 Ukiah

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

  • Mendocino County Public housing and Section 8 vouchers (707) 463-5462

All housing agencies in California Source: HUD

Cities

Other cities in Mendocino County

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

Everything about Mendocino County Housing in California

Nearby cities

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

Neighboring counties

If Mendocino 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 Ukiah.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Ukiah

Short answers with the numbers for Ukiah and all of Mendocino 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 Ukiah?

The typical home value in Ukiah is $458,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Mendocino County it is $512,200.

How much does it cost to rent in Ukiah?

Typical rent in Ukiah is $1,331 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Mendocino County is $1,683.

What is the FHA loan limit in Ukiah?

Ukiah uses the FHA limit for all of Mendocino County (2026): $546,250 for a one-unit home and $1,050,500 for a four-unit home.

How much property tax do owners pay in Ukiah?

The typical homeowner in Ukiah pays $3,445 a year, according to the U.S. Census Bureau. That is 0.75% of the home’s value; in Mendocino County, the rate is 0.69%.

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

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