One part of Chico is moving faster, even with prices down
These numbers cover the three months ending August 31, 2026. All local counts come from the Real Estate Data Aggregator. National figures come from the Federal Housing Finance Agency and Freddie Mac.
The Federal Housing Finance Agency reported U.S. home prices rose 2.4% year over year through August 2026. In one part of Chico, prices moved the other way.
The Real Estate Data Aggregator counted 91 homes sold in ZIP 95926 in the three months ending August 31, 2026. The median sale price there fell 8.7% to $438,000. That is a real drop, not a rounding error.
Here is the part that surprises people. Even with prices down, the Real Estate Data Aggregator found that 51.1% of homes in 95926 went under contract within two weeks of listing. That share rose 6.3 points from a year before.
Lower prices and fast competition in the same ZIP code is an unusual mix. For buyers, it means there may be more room on price than a year ago. For sellers, it means pricing right still matters, because buyers are still moving quickly when a home looks fair.
How the three Chico ZIP codes compare
Chico has three ZIP codes in this market. They read differently from each other, and the Real Estate Data Aggregator numbers show that clearly.
| 95926 | 95928 | 95973 | |
|---|---|---|---|
| Median sale price | $438,000 | $490,000 | $553,430 |
| Price change, year over year | -8.7% | +2.4% | +8.6% |
| Median days on market | 27 | 29 | 38 |
| Under contract within two weeks | 51.1% | 46.1% | 34.8% |
| Months of supply | 2.9 | 3.9 | 2.2 |
ZIP 95973 had the highest median sale price: $553,430, up 8.6% from a year before, per the Real Estate Data Aggregator. Homes there took a median of 38 days to sell, 4 days longer than a year ago. The Real Estate Data Aggregator counted 104 homes sold there, up 9.5%.
ZIP 95928 sat in the middle on price at $490,000, up 2.4%, which matches the national pace the Federal Housing Finance Agency reported. The Real Estate Data Aggregator counted 73 homes sold there, down 18.9% from a year before. Months of supply rose to 3.9, up 0.9 months.
ZIP 95926 had the fastest pace of the three. The Real Estate Data Aggregator put median days on market at 27, nine days shorter than a year ago. Homes there also had the highest two-week contract rate of the three ZIP codes.
What sellers need to know in 95926
Speed is real in 95926, but price still matters. The Real Estate Data Aggregator put the average sale price at 99.4% of list price, up 0.2 points from a year ago. That means sellers are getting close to what they ask. But 26.4% sold above list, down 2.4 points from last year. Fewer homes are sparking bidding wars.
Rates are adding pressure across the board
Freddie Mac put the 30-year fixed rate at 7.24% as of October 29, 2026. The 15-year fixed averaged 6.60% that same week. Rates peaked at 7.40% in mid-October 2026, according to Realtor.com. That is still a weight on buyers in every ZIP code.
Realtor.com also reported that pending sales nationally fell 10.5% year over year in October 2026, the steepest drop since October 2023. Chico's own pending sales across all three ZIP codes fell 8.9% in the same direction, per the Real Estate Data Aggregator.
ZIP 95926 was the one ZIP where pending sales actually grew, up 5.7% from a year before. ZIP 95928 saw the sharpest drop, down 22.4%.
The whole market in one look
- ZIP 95926 is the one part of Chico where prices dipped and speed held up.
- The Real Estate Data Aggregator shows 51.1% of homes there went under contract within two weeks, even as the median price fell 8.7% to $438,000. ZIPs 95973 and 95928 tell a different story.
- One ZIP code does not speak for all of Chico, and one street does not always match its ZIP code.
Your next step
(415) 497-5414Text me your address and I will send back where your Chico home sits against what actually sold in your ZIP code, including the 8.7% price shift in 95926 and the pace in your part of town. Takes a day, costs nothing.
Text me- Real Estate Data Aggregator numbers for ZIPs 95973, 95926 and 95928, the three months ending August 31, 2026, compared with the same months of 2025. Real Estate Data Aggregator last updated them on Oct 7, 2026.
- Freddie Mac: Mortgage Rates, read Nov 4, 2026
- Federal Housing Finance Agency: FHFA House Price Index® Up 0.3 Percent in August; Up 2.4 Percent from Last Year | FHFA, Oct 27, 2026
- Redfin: U.S. Home-Sale Prices Just Fell for the First Time in 3 Years, Oct 29, 2026
- Redfin: Homebuyers Get Some Relief as Prices Decline For Third Straight Week, Monthly Payments Dip, Nov 5, 2026
- Realtor.com: October 2026 Monthly Housing Trends: Buyers and Sellers Hit Pause as Rates Surge, Nov 4, 2026