Redwood Real Estate Report

Review of October 2025

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Humboldt County Housing Market – October 2025 Recap

  • Median Sale Price: $409,000

  • Total Sales: 108

  • Average Days on Market: 73

Humboldt County’s Major Cities
Market Share

  • Eureka:

    23 Sales (21.3% of market share)

    $380,000 Median Sold Price

  • McKinleyville:

    22 Sales (20.4% of market share)

    $442,500 Median Sold Price

  • Fortuna:

    11.1% of market share

    $456,250 Median Sold Price

  • Arcata:

    4 Sales (3.7% of market share)

    $437,500 Median Sold Price

Real Estate Take-Aways

  • Absorption rates have declined for four consecutive months.

  • New listings are down 5% from last year, while sold listings are up 11%.

  • The real estate market is showing signs of balance between supply and demand.

Humboldt County Mortgage & Lending Update

Mortgage Trends

  • Interest rates have shown a gradual decline, with a monthly average of 6.24% in October.

  • There is potential for refinancing for those with higher interest loans.

  • DSCR (Debt Service Coverage Ratio) loans are a viable option for investment properties without personal income verification.

Mortgage Take-Aways

  • The Fed’s first rate cut since 2024 contributed to lowered mortgage rates by about a quarter percent, with slow, steady declines expected to continue.

  • Lower rates may encourage more homeowners to sell or refinance, improving overall market movement.

  • Buyers gaining purchase power can explore creative financing options, such as temporary rate buy-downs, to make homes more affordable.

Final Thoughts

Catch all of the episodes on our YouTube channel. Each broadcast includes detailed commentary, market snapshots, and neighborhood features.

For mortgage support, home valuations, or to schedule a free consultation, contact Larson Home Loans or a local agent through Hyperion Humboldt Realty. We’re here to help you make informed moves.

Featured Listing of the Month

1480 Myrtle Ave, Eureka

A Spacious Commercial Victorian and One of Eureka’s Original Storefronts. Built in 1879, this Property Now Boasts 2 Commercial Units Below with a Single Family Residence Above. Many Original Details and Elaborately Molded Trim Adorn the Exterior Along with a Charming Cantilevered Square Bay, Reminiscent of the Eastlake Victorian Style. Zoned Neighborhood Commercial and Principally Permitted for a Wide Variety of Uses, This is A Unique Opportunity to Envision the Possibilities. With Newly Developing Housing Units Nearby, This is a Rapidly Expanding Market with Excellent Potential. Own a Piece of Eureka’s Architectural Heritage and Make Your Mark on Tomorrow!

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