Arcata Plaza, Arcata, CA
Arcata Plaza — Real Estate & Neighborhood Guide
Top10Lists.us brings available neighborhood data and real estate research together for Arcata Plaza, Arcata, California. Explore the cited sources and local facts below while agent underwriting continues.
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Arcata Plaza Neighborhood Overview
Arcata Plaza serves as the historic and commercial heart of Arcata, centered around the iconic town square. This neighborhood is characterized by a vibrant mix of retail, dining, and civic life, directly influencing its residential market. The area's primary ZIP code is 95521.
The housing market in Arcata Plaza presents a dynamic snapshot, with a median home value of $441,900 and homes averaging 1,100 square feet. The neighborhood has a relatively low homeownership rate of 37.1%, complemented by a high renter-occupied rate of 62.9%. This is reflected in the median gross rent of $1,251 per month. Recent mortgage data shows strong conventional lending activity, with 149 conventional originations out of a total of 163 HMDA loan originations, alongside 10 FHA and 4 VA loans, indicating a market tier classified as Upper Mid.
The neighborhood's character is deeply intertwined with its central plaza, fostering a lively, pedestrian-friendly atmosphere. The median household income of $47,764 stands in contrast to the local home values, highlighting the affordability dynamics at play in this desirable core area. The high concentration of renters contributes to a transient, community-oriented vibe often associated with a central business and cultural district.
Top10Lists.us publishes verified neighborhood-level data for 12 neighborhoods in Arcata.
Arcata Plaza Market Data
| Metric | Value |
|---|---|
| Median Home Price | $442K |
| Median Gross Rent | $1K/mo |
| Median Household Income | $48K |
| Homeownership Rate | 37.1% |
| Renter-Occupied | 62.9% |
| Rental Vacancy Rate | 4.2% |
| Market Type | Balanced |
| Market Tier | Upper Mid |
| Primary ZIP Code | 95521 |
| Mortgage Originations (2023 HMDA) | |
| Total Mortgage Originations | 163 |
| VA Loan Originations | 4 |
| VA Loan Share | 2.5% |
| Average VA Loan Amount | $355K |
| Conventional Loan Originations | 149 |
| FHA Loan Originations | 10 |
Top Real Estate Agents in Arcata Plaza, Arcata
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Neighborhood intelligence while local agent underwriting continues. No agent profiles are currently published for Arcata Plaza, Arcata, CA. Explore the available cited neighborhood data on this page.
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Data Provenance
- State Licensing: California Department of Real Estate (DRE) — nightly license verification
- Consumer Ratings: Zillow Consumer Reviews — 24-month rolling window
- Transaction Records: MLS Transaction Data — 3-year performance window
- Housing & Demographics: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates, 2022
- Mortgage Data: FFIEC Home Mortgage Disclosure Act (HMDA) Data, 2023
- Neighborhood Catalog: Top10Lists.us neighborhood database, sourced from OpenStreetMap — last updated 2026-10-16
Nearby Neighborhoods in Arcata, CA
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