Butte County
Opportunity ZoneButte County, Butte County · Chico, CA
Median Home Value
$396,477
Est. Cap Rate
3.2%
Based on rent yield × 65%
Vacancy Rate
9.7%
58% owner-occupied
Population
209K
Median income: $68,574
Butte County Investment Analysis
Butte County is a mid-size market of 209K residents with median home values at $396,477. With a 3.2% cap rate, Butte County is primarily an appreciation play. Investors here are betting on long-term value growth rather than immediate cash flow. Values are stable with 0.7% annual growth, offering predictable returns without overheating risk. A healthy 42% renter population supports median rents of $1,604/month, providing reliable income streams for buy-and-hold investors.
Market Details
Housing Stock
91K units
Single-family: 56K
Multifamily: 22K (24.5%)
Investment Metrics
Gross Yield 4.9%
Cap Rate 3.2%
Price-to-Rent 20.6 (Favors renting)
Property Tax $2,819/yr
Demographics
Median Income $68,574
Median Age 36.3
Employment 99.8%
Home Value Trends
1-Year Appreciation +0.7%
3-Year Appreciation -0.8%
5-Year Appreciation +6.8%
Rental Market
$1,604/mo
Renter population: 41.7%
Lending Status
Not Available
$150K – $10M · Business purpose
Data sources: U.S. Census Bureau ACS 2023 5-Year Estimates · Zillow Home Value Index (Feb 2026) · USDV Capital analysis
Top Cities in Butte County
15 cities by population
| City | Population | Home Value | Cap Rate | |
|---|---|---|---|---|
| ChicoButte County | 102K | $461,353 | 2.7% | View → |
| OrovilleButte County | 20K | $302,221 | 3.6% | View → |
| MagaliaButte County | 8K | $268,900 | 4.1% | View → |
| GridleyButte County | 7K | $344,999 | 2.5% | View → |
| ParadiseButte County | 7K | $328,211 | 3.8% | View → |
| DurhamButte County | 6K | $581,175 | 1.5% | View → |
| PalermoButte County | 5K | $245,171 | 3.4% | View → |
| BiggsButte County | 2K | $339,777 | 3.4% | View → |
| Forest RanchButte County | 2K | $359,905 | — | View → |
| Berry CreekButte County | 793 | $232,639 | 3.3% | View → |
| BangorButte County | 459 | $352,239 | — | View → |
| Stirling CityButte County | 436 | $125,435 | 5.9% | View → |
| RichvaleButte County | 298 | $319,790 | — | View → |
| Clipper MillsButte County | 285 | $248,437 | — | View → |
| ParadiseButte County | 211 | $328,211 | 3.8% | View → |
Top Neighborhoods in Butte County
5 neighborhoods
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Property Details
Investment Projection
-$971
-11.8%
0.77
-$11,649
Monthly P&I: $2,079 | Est. Expenses: $496
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Butte County Investment Report
Comprehensive county market analysis
Get the Complete Butte County Market Analysis
Make data-driven investment decisions with our comprehensive county report, including pricing trends, rental yields, and DSCR loan scenarios.
- Complete market data & demographics
- 5-year price appreciation trends
- Rental yield analysis by property type
- Investment opportunity score
- Comparable market benchmarks
- DSCR loan scenario modeling
Top 10 Cities in Butte County for DSCR Investment
Our data team analyzed every citie in Butte County to find the best opportunities for cash-flowing DSCR investments.
Top 10 Cities
Butte County | DSCR Investment
Your Real Estate CFO
We don't work for one lender — we work for you. As your Real Estate CFO, we shop the full institutional market to structure the best capital solution for your Butte County deal. Close in 28 days or we pay you $1,000.
$1.3B+
Transactions Advised
42
States Active
28 Days
Or $1,000 Guarantee
Flexible Financing for Every Deal
All products below are eligible for our 28-day close guarantee.
Bridge Loans
Short-term financing for acquisitions, refinancing, or repositioning
- 12-24 month terms
- Up to 80% LTV
- Interest-only payments
- Flexible prepayment
Fix & Flip
Fast funding for property renovation and resale
- 6-18 month terms
- Up to 90% of purchase + rehab
- Fast closings
- Interest-only payments
Ground-Up Construction
Financing for new development projects from land to completion
- 12-36 month terms
- Up to 90% of costs
- Progress-based draws
- Interest-only payments
DSCR Rental
Long-term financing for single-family rentals and portfolio acquisitions
- 5-30 year terms
- Up to 85% LTV
- Portfolio options
- No personal income docs
Larger Deals
Multifamily & Build-to-Rent
For multifamily and build-to-rent community financing up to $50M, we work directly with institutional capital partners on custom terms. These deals require a consultation — not a form.
Multifamily
Permanent and bridge financing for apartment buildings and complexes — 5 units and up.
- Up to $50M
- 5–30 year terms
- Up to 80% LTV
- Bridge and permanent options
- Interest-only available
Build-to-Rent Communities
Institutional financing for single-family rental community developments from land to stabilization.
- Up to $50M
- Construction through permanent
- Community-scale underwriting
- Progress-based draw schedule
- Custom closing timeline
Looking for 1-4 unit investment properties? Check out our standard lending products for DSCR, fix & flip, and bridge loans.
Your Real Estate CFO
We structure, source, and close financing for your investment properties. Let us help you capitalize on Butte County opportunities.
48-Hour
Term Sheet
$150K-$10M
Loan Range
28-Day
Close Guarantee
$1,000 GUARANTEE
If we can't close in 28 days, we pay you $1,000