One part of Chico is still moving fast even with rates at 7.40%
Freddie Mac put the 30-year fixed rate at 7.40% as of October 15, 2026. That is the highest it has been since January 2025, according to Realtor.com. Even so, one part of Chico is not slowing down.
The Real Estate Data Aggregator counted that share in ZIP 95926 for the three months ending August 31, 2026. That is up 6.3 points from the same months of 2025. Buyers there are moving quickly. Sellers who price well are getting that attention.
How the three Chico ZIP codes compare
The numbers below cover the three months ending August 31, 2026. Each one comes from the Real Estate Data Aggregator. They tell different stories depending on where you are.
| 95926 | 95928 | 95973 | |
|---|---|---|---|
| Median sale price | $438,000 | $490,000 | $553,430 |
| Median days on market | 27 | 29 | 38 |
| Under contract within 2 weeks | 51.1% | 46.1% | 34.8% |
| Sold above list price | 26.4% | 19.2% | 24% |
| Sale to list price | 99.4% | 98.5% | 99.7% |
ZIP 95926: the fastest-moving part of Chico
The Real Estate Data Aggregator counted 91 homes sold in ZIP 95926 in the three months ending August 31, 2026. That is up 13.8% from the same months of 2025. Median days on market fell to 27, which is 9 days shorter than a year before.
One honest note: the median sale price in 95926 came in at $438,000. That is down 8.7% from the same period of 2025, according to the Real Estate Data Aggregator. Homes are selling faster, but not always for more. Pricing still matters.
ZIP 95928: also quicker than last year
The Real Estate Data Aggregator counted 73 homes sold in ZIP 95928 in the three months ending August 31, 2026. That is down 18.9% from the same months of 2025. Fewer sales, but the homes that did sell moved faster. Median days on market dropped to 29, which is 9 days shorter than a year before.
Nearly half of homes in 95928 went under contract within two weeks. The Real Estate Data Aggregator put that share at 46.1%, up 10.4 points from 2025. Months of supply rose to 3.9, so there is more to choose from. But well-priced homes are not sitting long.
ZIP 95973: higher prices, a little more time
ZIP 95973 had the highest median sale price of the three. The Real Estate Data Aggregator put it at $553,430 for the three months ending August 31, 2026, up 8.6% from the same months of 2025. That is a real gain.
Median days on market in 95973 was 38 days, which is 4 days longer than a year before. The share of homes going under contract within two weeks was 34.8%, down 8.5 points from 2025. Not every home sold fast there. Prep and pricing still do the work.
The wider picture: rates and national prices
Freddie Mac put the 30-year fixed rate at 7.40% as of October 15, 2026. The 15-year fixed averaged 6.71% the same week. Those are real costs that buyers are working with right now.
Nationally, Realtor.com reported that 20.8% of listings took a price cut in September 2026. That is the highest share since October 2022. Chico is not immune to that pressure, but the speed numbers in 95926 and 95928 show that well-priced homes here are still finding buyers.
The Federal Housing Finance Agency reported that U.S. house prices rose 2.6% from July 2025 to July 2026. Chico's 95973 beat that by a wide margin at 8.6% up. That is local strength, not a national trend.
All three ZIPs together
Across ZIPs 95973, 95926 and 95928 combined, the Real Estate Data Aggregator counted 268 homes sold in the three months ending August 31, 2026. That is up 1.1% from the same months of 2025. New listings across all three held steady, unchanged from a year before, at 316.
- Rates are at 7.40% and some price cuts are showing up nationally.
- But in ZIP 95926, more than half of homes went under contract within two weeks.
- In 95928, that share rose 10.4 points from last year.
- In 95973, prices climbed 8.6%.
- One street can read very differently from the ZIP code around it.
- These are the three months ending August 31, 2026, and your block may tell a different story than the averages above.
Your next step
(415) 497-5414Text me your address and I will send back how fast homes like yours are selling in your part of Chico, based on what actually closed in the three months ending August 31, 2026. 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 Oct 22, 2026
- Federal Housing Finance Agency: FHFA House Price Index® Up 0.3 Percent in July; Up 2.6 Percent from Last Year | FHFA, Sep 29, 2026
- Redfin: U.S. Home Prices Ticked Up 0.25% in September, Oct 20, 2026
- Realtor.com: September 2026 Monthly Housing Trends: Price Cuts Hit 4-Year Highs as Mortgage Rates Top 7%, Sep 30, 2026
- Realtor.com: September 2026 Rental Report: Median Asking Rent Declines at the Slowest Pace in 3 Years, Oct 15, 2026