Your price range depends on your income, debts, down payment, credit and rate, not just the number a lender approves. Tell me what monthly payment feels right and I will send homes and a written estimate that fit.
Three ways to start
- Run the numbers yourself: use the mortgage calculator to see a payment at different prices and rates.
- See the whole monthly cost: read the monthly cost of owning a home in Chico, which adds property tax, utilities, insurance and upkeep to the mortgage.
- Get pre-approved: a lender verifies what you can borrow. Start with the free pre-approval checklist.
Chico median sale price was $497,000 in September 2026 (CRMLS). Prices vary a lot by area, so ask me for recent sales in the neighborhoods you like.