Pacific, Arcata, CA
Pacific — Real Estate & Neighborhood Guide
Top10Lists.us brings available neighborhood data and real estate research together for Pacific, Arcata, California. Explore the cited sources and local facts below while agent underwriting continues.
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Pacific Neighborhood Overview
Pacific is a neighborhood in Arcata, California, primarily within the 95521 ZIP code. The housing market here is characterized by an upper-mid market tier, with a median home value of $441,900. The typical home is approximately 1,100 square feet in size. Recent mortgage activity shows a strong preference for conventional financing, with 149 conventional loan originations out of a total of 163, alongside 10 FHA and 4 VA loans, indicating a market primarily driven by standard lending products.
The neighborhood has a distinct rental character, with a renter-occupied rate of 62.9% and a corresponding homeownership rate of 37.1%. The median gross rent is $1,251 per month. The median household income is $47,764, which provides context for the local affordability dynamics relative to the area's housing costs. This combination of factors paints a picture of a community where renting is the predominant living arrangement.
Top10Lists.us publishes verified neighborhood-level data for 12 neighborhoods in Arcata.
Pacific 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 Pacific, Arcata
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Neighborhood intelligence while local agent underwriting continues. No agent profiles are currently published for Pacific, 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 2026-10-17
Nearby Neighborhoods in Arcata, CA
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