HomeCaliforniaHumboldt CountyArcata
Arcata, California: commercial real estate data.
Arcata is a Census city of 18,607 people across 9.42 square miles of land, in Humboldt County. Median household income is $46,713, 36.4 percent of occupied homes are owned, and the SBA record carries 21 7(a) approvals to borrowers here worth $9.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Arcata
What Arcata is
- Census place typecity
- Land area9.42 sq mi
- Water area1.95 sq mi
- Population per square mile of land1,976
- County holding the largest share of its areaHumboldt 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.
Arcata
How many people live in Arcata
- Population18,607
- Median age28.1
- Population under 182,189
- Share under 1811.8 percent
- Population 65 and over2,643
- Share 65 and over14.2 percent
- Households7,884
- Family households3,133
- Share of households that are families39.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Arcata
Income and work in Arcata
- Median household income$46,713
- Per capita income$32,307
- Civilian labor force10,541
- Employed9,287
- Unemployed1,254 plus or minus 318
- Unemployment rate11.9 percent plus or minus 2.9
- Adults 25 and over10,738
- Adults 25 and over with a high school diploma or higher96.0 percent
- Adults 25 and over with a bachelor degree or higher46.3 percent
- Adults 25 and over with a graduate degree19.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Arcata
Housing in Arcata
- Housing units8,636
- Occupied units7,884
- Vacant units752 plus or minus 244
- Vacancy rate8.7 percent plus or minus 2.8
- Owner occupied2,873
- Renter occupied5,011
- Ownership rate36.4 percent
- Median owner-occupied home value$484,600
- Median gross rent, monthly$1,327
- Annual rent as a share of median income34.1 percent
- Single family units4,311
- Share single family49.9 percent
- Units in buildings of two or more3,811
- Share in buildings of two or more44.1 percent
- Mobile homes473 plus or minus 164
- Median year structure built1976
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Arcata
How Arcata gets to work
- Workers 16 and over who commute7,551
- Commuting under 15 minutes3,759
- Share commuting under 15 minutes49.8 percent
- Commuting 30 minutes or more889 plus or minus 222
- Share commuting 30 minutes or more11.8 percent plus or minus 2.7
- Drove alone58.6 percent
- Carpooled9.5 percent plus or minus 3.0
- Public transport1.4 percent plus or minus 0.8
- Walked10.6 percent plus or minus 2.5
- Worked from home15.4 percent plus or minus 3.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Arcata
SBA loans in Arcata (7(a))
- Approvals21
- Gross approval$9,736,900
- Average approval$463,662
- Median approval$85,000
- Ninetieth percentile approval$1,725,000
- Largest approval$3,000,000
- Jobs supported251
- Jobs per approval12.0
- Loans with a final outcome6
- Paid in full6
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more14.3 percent
- Share to franchises4.8 percent
- Distinct lenders12
- Distinct industries by NAICS17
Counted by borrower city: approvals to borrowers whose address is in Arcata, in any county, FY2020 to FY2026. Only 6 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Arcata
SBA loans in Arcata (504)
- Approvals10
- Gross approval$7,920,000
- Average approval$792,000
- Median approval$598,500
- Largest approval$2,302,000
- Jobs supported77
- Loans with a final outcome5
- Charged off1
- Median term240 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Arcata, in any county, FY2010 to FY2026. Only 5 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Arcata
Flood risk in Arcata
- NFIP communityCity of Arcata
- NFIP community number060061
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date06/21/17
The City of Arcata participates in the National Flood Insurance Program as community 060061 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Humboldt County, not Arcata
Humboldt County context, not Arcata figures
- Establishments in Humboldt County3,178
- Covered employment, Humboldt County51,858
- Average annual pay, Humboldt County$55,212
- Housing units permitted, Humboldt County194
Every figure in this section is published for Humboldt County as a whole and is not a measurement of Arcata.
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.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Arcata questions, answered from the record.
How many people live in Arcata, California?
18,607, in 7,884 households. Arcata city covers 9.42 square miles of land, which is 1,976 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Arcata in?
Humboldt 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 Arcata?
$46,713. The median owner-occupied home is valued at $484,600. Median gross rent is $1,327 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Arcata businesses?
21 7(a) approvals totaling $9.7 m since FY2020, across 12 lenders, median approval $85,000, plus 10 504 approvals worth $7.9 m since FY2010. These count approvals to borrowers whose address is in Arcata, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Arcata borrowers get paid back?
No rate is published for Arcata. Only 6 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Arcata in the National Flood Insurance Program?
Yes. Arcata appears in the FEMA Community Status Book as Arcata, city of, community 060061, 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 Arcata figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Humboldt 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 Arcata.
Is zoning published for Arcata?
No. Nothing on this page presents parcel level zoning.