Your Property Details
Chico, Butte County median: $420,000
Chico, Butte County Market Snapshot
- Conforming Limit
- $806,500
- 5-Year Appreciation
- 30.0%
- Avg Property Tax Rate
- 1.08%
- Est. Annual Tax
- $4,536
Your Equity Position
Current Equity
$168,000
Current LTV
60.0%
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Calculations are estimates for educational purposes only. Actual loan amounts depend on credit score, DTI ratio, property appraisal, and lender guidelines. Conforming loan limit for Chico, Butte County is $806,500 (2026 FHFA). Contact Mo Abdel at (949) 579-2057 for a personalized analysis. NMLS #1426884 | Lumin Lending NMLS #2716106.
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Frequently Asked Questions
What is the 2026 conforming loan limit for Chico, California?
Chico is in Butte County, which has a 2026 FHFA conforming loan limit of $806,500. This limit applies to all cities within the county. Loans exceeding this amount require jumbo financing.
How much equity can I access through a cash-out refinance in Chico?
With Chico's median home value of $420,000, a homeowner with 40% equity could access approximately $84,000 at 80% LTV. Enter your actual home value and mortgage balance above for a personalized calculation.
What property tax rate applies in Chico, Butte County?
The average effective property tax rate in Chico is 1.08%. On a home valued at $420,000, that's approximately $4,536 per year. Property taxes are factored into your total PITI payment.
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