Rio Oso, California.
Typical home $626,581 (+8.2% in a year). Yuba City, CA metro.
to buy the typical home at today's mortgage rate — +$1,490 (+83%) since Jan 2020.
- 1 year
- Up $47,702 +8%
- $578,879$626,581 since Sep 2025
- 5 years
- Up $26,484 +4%
- $600,097$626,581 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Rio Oso$3,289
- California$3,997
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 80 years.
Typical home values in Rio Oso, CA rose 8.2% over the past year — faster than the nation's +1.2%.
Living in Rio Oso, Sutter County, California
Rio Oso, in Sutter County, had 372 people in the 2020 census. 84% of its homes are lived in by their owners and 16% are rented. Unemployment in Sutter County was 7.4% in August 2026, and the county had 0.7% more jobs in 2025 than the year before. The most people in Sutter County work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Rio Oso is a very small community, with a population far smaller than most towns, and nearly everyone who lives here owns their home. Homes are valued well above what is typical across much of the country, and relatively few residents live below the poverty line. Winters are mild and cool, with December the coldest month, while summers turn properly hot, especially in July, and the year brings a modest amount of rain.
Work. Residents work mostly in schools, hospitals and social care, in shops, in professional and business services, and in restaurants, hotels and entertainment. A fair number work from home, and the typical commute is a fairly long one. Across Sutter County, some of the largest workplaces are Yuba City Unified, Sutter County government and Sunsweet Growers, and the county's unemployment has stayed a little above where many would like it.
Things to do. The Bear River runs in or beside town, so water is close at hand. A longer drive brings the Feather River and the American River, more rivers to fish or walk beside. Also a longer drive away is the Crocker Art Museum, for an afternoon indoors.
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- 19%of adults have a degree
- 4%below the poverty line
- 27 mintypical commute
- 18%work from home
What people in Sutter County work in
Employed residents by industry, from the Census survey. Sutter County had 33,016 jobs in 2025, 0.7% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in December, with highs near 55° and lows near 38°; warmest in July, with highs near 96° and lows near 61°. About 20 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Marysville Yuba County Airport weather station, 11 miles away (NOAA).
Largest workplaces in Sutter County
- Yuba City UnifiedSchool district1,112FTE
- Sutter CountyGeneral public administration1,086
- Sunsweet GrowersPrunes, dried, made in dehydration plants614
- WalmartWarehouse clubs and supercenters413
- Sysco SacramentoGeneral-line groceries merchant wholesalers388
- Sierra Gold NurseriesNursery with tree production258
- Live Oak UnifiedSchool district256FTE
- Chavez Farm Labor ContractorFarm labor contractors250
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 77 workplaces with 20 or more staff, 7,785 people in all across the county; Rio Oso has none of its own. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- DroughtVery high
- WildfireRelatively moderate
- EarthquakesRelatively moderate
- Inland floodingRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Rio Oso’s census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Sutter County and the Yuba City, CA metro.
Rio Oso home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Rio Oso$626,581
- California$761,538
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Zip codes with a Rio Oso address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Rio Oso — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.