HomeCaliforniaButte CountyChico city
Chico city, California: commercial real estate data.
Chico city is a Census city of 102,188 people across 34.37 square miles of land, in Butte County. Median household income is $66,977, 43.4 percent of occupied homes are owned, and the SBA record carries 103 7(a) approvals to borrowers here worth $59.7 m.
82 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Chico
What Chico is
- Census place typecity
- Land area34.37 sq mi
- Water area0.15 sq mi
- Population per square mile of land2,973
- County holding the largest share of its areaButte County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Chico
How many people live in Chico
- Population102,188
- Median age31.1
- Population under 1818,839
- Share under 1818.4 percent
- Population 65 and over14,532
- Share 65 and over14.2 percent
- Households42,943
- Family households20,895
- Share of households that are families48.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Chico
Income and work in Chico
- Median household income$66,977
- Per capita income$38,830
- Civilian labor force56,640
- Employed52,812
- Unemployed3,828
- Unemployment rate6.8 percent
- Adults 25 and over61,173
- Adults 25 and over with a high school diploma or higher93.5 percent
- Adults 25 and over with a bachelor degree or higher42.2 percent
- Adults 25 and over with a graduate degree15.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Chico
Housing in Chico
- Housing units46,625
- Occupied units42,943
- Vacant units3,682
- Vacancy rate7.9 percent
- Owner occupied18,639
- Renter occupied24,304
- Ownership rate43.4 percent
- Median owner-occupied home value$468,100
- Median gross rent, monthly$1,488
- Annual rent as a share of median income26.7 percent
- Single family units25,351
- Share single family54.4 percent
- Units in buildings of two or more19,246
- Share in buildings of two or more41.3 percent
- Mobile homes1,963
- Median year structure built1983
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Chico
How Chico gets to work
- Workers 16 and over who commute44,447
- Commuting under 15 minutes24,715
- Share commuting under 15 minutes55.6 percent
- Commuting 30 minutes or more7,646
- Share commuting 30 minutes or more17.2 percent
- Drove alone68.6 percent
- Carpooled9.9 percent
- Public transport0.9 percent plus or minus 0.3
- Walked3.7 percent
- Worked from home13.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Chico
SBA loans in Chico (7(a))
- Approvals103
- Gross approval$59,686,200
- Average approval$579,478
- Median approval$307,300
- Ninetieth percentile approval$1,315,000
- Largest approval$4,920,000
- Jobs supported1,321
- Jobs per approval12.8
- Loans with a final outcome16
- Paid in full15
- Charged off1
- Charge-off rate over resolved loans6.3 percent
- Median term120 months
- Share on real estate terms of 20 years or more27.2 percent
- Share to franchises11.7 percent
- Distinct lenders36
- Distinct industries by NAICS74
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Chico
SBA loans in Chico (504)
- Approvals125
- Gross approval$93,312,000
- Average approval$746,496
- Median approval$442,000
- Largest approval$5,499,000
- Jobs supported1,438
- Loans with a final outcome36
- Charged off0
- Charge-off rate over resolved loans0.0 percent
- Median term240 months
- Distinct CDCs10
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Chico
Flood risk in Chico
- Listed NFIP communities1
- Of those, participating1
- NFIP community number060746
- Currently effective map date01/06/11
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Butte County, not Chico
Butte County context, not Chico figures
These are Butte County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Chico measurements.
- Establishments in Butte County4,677
- Employment at those establishments, Butte County63,158
- Covered employment, Butte County78,999
- Average annual pay, Butte County$57,521
- Average weekly wage, Butte County$1,106
- Housing units permitted, Butte County946
- Of those, single family, Butte County657
- County product, 2024, Butte County$12,901,012,000
- County product change over the prior year, Butte County8.7 percent
- Average income of an arriving household, Butte County$58,195
Every figure in this section is published for Butte County as a whole and is not a measurement of Chico. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Chico questions, answered from the record.
How many people live in Chico, California?
102,188, in 42,943 households. Chico city covers 34.37 square miles of land, which is 2,973 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Chico in?
Butte County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Chico?
$66,977. The median owner-occupied home is valued at $468,100. Median gross rent is $1,488 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Chico businesses?
103 7(a) approvals totalling $59.7 m, across 36 lenders, median approval $307,300, plus 125 504 approvals worth $93.3 m. These count approvals to borrowers whose address is in Chico, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Chico borrowers get paid back?
Of the 16 loans that have reached a final outcome, 15 were paid in full and 1 charged off, a charge off rate of 6.3 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is Chico in the National Flood Insurance Program?
Yes. Chico appears in the FEMA Community Status Book as community 060746, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Chico figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Butte County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Chico.
Is zoning published for Chico?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.