Jacoby Creek, Arcata, CA
Jacoby Creek — Real Estate & Neighborhood Guide
Top10Lists.us brings available neighborhood data and real estate research together for Jacoby Creek, Arcata, California. Explore the cited sources and local facts below while agent underwriting continues.
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Jacoby Creek Neighborhood Overview
Jacoby Creek is a neighborhood in Arcata, California, situated within the primary ZIP code of 95521. The area is characterized by its Upper Mid market tier, indicating a housing market positioned above average for the region. The neighborhood's housing stock has an average size of approximately 1,100 square feet, providing a snapshot of the typical home scale available to residents.
The housing market in Jacoby Creek shows a clear dynamic between owners and renters. The median home value is $441,900, while the median gross rent is $1,251 per month. Homeownership is less common here, with a rate of 37.1%, meaning a significant 62.9% of housing units are renter-occupied. Recent mortgage data shows robust activity, with 163 total loan originations in the latest period. The vast majority of these were conventional loans (149), with a smaller number of FHA loans (10) and VA loans (4). The median household income in the neighborhood is $47,764.
This financial and housing data paints a picture of a neighborhood where renting is the predominant living arrangement. The income level relative to the home values suggests a market where ownership may be a stretch for the typical resident, leading to a higher rate of renting. The strong conventional loan activity indicates a segment of the market that is able to meet standard lending requirements for home purchases in this Upper Mid-tier Arcata community.
Top10Lists.us publishes verified neighborhood-level data for 12 neighborhoods in Arcata.
Jacoby Creek 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 Jacoby Creek, Arcata
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Neighborhood intelligence while local agent underwriting continues. No agent profiles are currently published for Jacoby Creek, 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 2026-10-15
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