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City · 7,820 residents · Siskiyou County, California

Yreka , California

In Yreka, a typical home is worth $263,200 and typical rent is $987 a month. Compared with all of Siskiyou County, typical household income is 26% lower, the typical home value is 15% lower, and the share of households that own their home is 13 points lower.

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  • Typical home value

    $263,200

    15% below the county

    64% below California

    • Yreka
    • Siskiyou
    • California

  • Typical rent

    $987a month

    10% below the county

    52% below California

    • Yreka
    • Siskiyou
    • California

  • Typical household income

    $43,982a year

    26% below the county

    56% below California

    • Yreka
    • Siskiyou
    • California

  • Households that own their home

    56%

    13 points below the county

    1 points above California

    • Yreka
    • Siskiyou
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$252,320
about the same as 12 months ago

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

Yreka is in Siskiyou 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 Siskiyou County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Yreka apart

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

  1. Yreka has the 9th lowest typical household income of the 659 cities in California with more than 5,000 people ($43,982).

  2. Yreka has the 11th lowest typical rent of the 648 cities in California with more than 5,000 people ($987).

  3. Yreka has the 31st lowest typical home value of the 654 cities in California with more than 5,000 people ($263,200).

  4. 56% of households in Yreka own their home, against 69% in Siskiyou County.

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

The homes here

Housing in Yreka

What homes there are in Yreka, 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 houses are the majority in Yreka (65%), but less so than in Siskiyou County (74%).

Year built

The typical year built in Yreka is 1976, about the same as in Siskiyou County (1976).

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

With a mortgage

$1,391 a month

Siskiyou County: $1,770 a month

Without a mortgage

$592 a month

Siskiyou County: $564 a month

Owners with a mortgage

58%

Siskiyou County: 49%

The typical cost for an owner with a mortgage in Yreka is $1,391 a month, less than in Siskiyou County ($1,770); without one, $592.

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

Since 2015–2019, homes in Yreka gained value faster than in Siskiyou County: 66% against 56%.

Since 2015–2019, the typical rent in Yreka rose 22%, less than in Siskiyou County (28%).

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

MeasureYrekaSiskiyou CountyCaliforniaUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.2%5.5%
Homeowner vacancy Unreliable estimate2.0%0.8%0.9%
More than one person per room Unreliable estimate4.2%8.2%3.4%
People per household 2.212.232.842.53
Drive alone 84%72%66%69%
Carpool Unreliable estimate11%10%9%
Public transit Unreliable estimateUnreliable estimate3%3%
Walk or bike Unreliable estimate4%3%3%
Work from home Unreliable estimate12%17%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

A household in Yreka has 2.21 people on average, about the same as in Siskiyou County (2.23).

To get to work, 84% of workers in Yreka drive alone; in Siskiyou County, 72%.

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 Yreka?

A typical home costs more than the typical income allows

We start with a typical home in Yreka, worth $263,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 58% of the typical household income in Yreka, which is $43,982 a year. For that payment to be 28% of income, a household would need to earn about $90,454 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Yreka. 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 $9,212 (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

$2,111

at 7.18% · 30 years

Loan amount
$258,433
Total interest
$371,824
Paid off in
November 2056

Includes $4,445 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,026 a month

  • Tight

    $1,026 to $1,319 a month

  • Hard

    more than $1,319 a month

    Your payment · 58%

Compared with the typical household income in Yreka ($43,982 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,111
Principal & interest$1,751
Property tax$134
Home insurance$110
FHA mortgage insurance (MIP)$116

You need at least $9,212 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

Yreka and Siskiyou County

Yreka is in Siskiyou 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).

Yreka's own numbers

Typical home value
$263,200
Typical monthly rent
$987
Typical yearly household income
$43,982
Households that own their home
56%
Effective property tax rate
0.61%

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

Numbers for all of Siskiyou County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,254
Price change over 5 years (FHFA)
+39%
Homes in a high flood-risk zone
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 Siskiyou County.

Everything about Siskiyou County

Buying

Buying a home in Yreka

A typical home in Yreka is worth $263,200: 15% below the county and 64% below California. With the typical household income in Yreka ($43,982 a year), a typical home costs 6.0 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.

  • Yreka 6.0 years
  • Siskiyou 5.2 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Siskiyou County

According to FHFA’s house price index, home prices in Siskiyou County rose 81% in the 10 years through 2025.

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

Period County California U.S.
Last year (2025) +4.6% +0.8% +2.9%
5 years (2020–2025) +39% +40% +47%
10 years (2015–2025) +81% +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

Yreka next to Siskiyou 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
  • Yreka $263,200
  • Siskiyou $309,500
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Yreka $987
  • Siskiyou $1,091
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Yreka $43,982
  • Siskiyou $59,095
  • California $99,122
  • United States $80,734
See the full table
Yreka next to Siskiyou County and California
Measure Yreka Siskiyou County California U.S.
Typical home value $263,200 $309,500 $734,700 $332,700
Typical monthly rent $987 $1,091 $2,036 $1,413
Typical yearly household income $43,982 $59,095 $99,122 $80,734
Households that own their home 56% 69% 56% 65%
Typical yearly property tax $1,605 $1,973 $5,124 $3,119
Effective property tax rate 0.61% 0.64% 0.7% 0.94%
Renters with high rent for their income 66% 58% 55% 51%

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

For a typical $263,200 home in Yreka, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Yreka's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,111a month

    Least cash to close
    Down payment
    $9,212
    Cash to close
    $17,108
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $116

  • Conventional, 5% down $2,062a month

    Down payment
    $13,160
    Cash to close
    $21,056
    Rate
    7.18%
    Mortgage insurance
    PMI · $125

  • Conventional, 20% down, no PMI $1,670a month

    Down payment
    $52,640
    Cash to close
    $60,536
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,913a month

    Down payment
    $39,480
    Cash to close
    $47,376
    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 Yreka and for Siskiyou County.

Property tax

Effective rate in Yreka

0.61%of the home’s value each year

$1,605 a year for the typical owner in Yreka.

  • Yreka 0.61%
  • Siskiyou 0.64%
  • California 0.7%

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

Exemptions and deadlines in California

Flood risk in Siskiyou County

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

Homes in the high-risk zone
8%
1,821
Of those, with NFIP insurance
8.6%
County California U.S.
Homes in the high-risk zone 8% 2.8% 3.5%
Of those, with NFIP insurance 8.6% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Yreka

Typical rent in Yreka is $987 a month: 10% below the county. In Yreka, 66% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Siskiyou County, by unit size. To pay the 2-bedroom one ($1,254 a month) without spending more than 30% of your income, you would need to earn $24.12 an hour working full time.

HUD fair market rent for all of Siskiyou 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 $953 $18.33 $38,120
1 bedroom $959 $18.44 $38,360
2 bedrooms $1,254 $24.12 $50,160
3 bedrooms $1,736 $33.38 $69,440
4 bedrooms $1,984 $38.15 $79,360

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 Yreka

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Yreka is in ZIP code 96097.

For 2 bedrooms it is $1,140: $114 less than the fair market rent for Siskiyou County ($1,254).

  • 96097 $1,140$1,580

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

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

  • Emerald Pointe Apt Homes 450 N Foothill Dr, Yreka 96097 81 homes, 80 low-income · 1 bd: 64 · 2 bd: 17 · In service since 2007 · For older adults
  • Shasta Courtyards 400 N Foothill Dr, Yreka 96097 61 homes, 60 low-income · 2 bd: 29 · 3 bd: 32 · In service since 2006 · For families
  • Juniper Terrace Apartments 800 Jasper Pl, Yreka 96097 55 homes, 54 low-income · 1 bd: 49 · 2 bd: 6 · In service since 2015 · For older adults
  • Shadows Garden 402 Turre St, Yreka 96097 46 homes, 45 low-income · For families (530) 842-1556
  • Siskiyou Valley Apts 409 Bruce St, Yreka 96097 36 low-income homes · In service since 1989 · For families

See all 22 buildings in Siskiyou County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Yreka

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

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Yreka

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

The HUD-approved agencies closest to the center of Yreka, 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 · 223 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 · 225 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 · 227 miles away · Spanish

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

All counseling agencies in California

Help in Spanish near Yreka

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 Yreka

HUD lists no housing authority with an office in Siskiyou 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 Yreka, with the typical home value.

Everything about Siskiyou County Housing in California

Neighboring counties

If Siskiyou 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 Yreka.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Yreka

Short answers with the numbers for Yreka and all of Siskiyou 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 Yreka?

The typical home value in Yreka is $263,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Siskiyou County it is $309,500.

How much does it cost to rent in Yreka?

Typical rent in Yreka is $987 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Siskiyou County is $1,254.

What is the FHA loan limit in Yreka?

Yreka uses the FHA limit for all of Siskiyou 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 Yreka?

The typical homeowner in Yreka pays $1,605 a year, according to the U.S. Census Bureau. That is 0.61% of the home’s value; in Siskiyou County, the rate is 0.64%.

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

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