1st Advantage MortgageThe median Yuba County household earns $76,373, and 14% of residents live below the poverty line. Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- Yuba County at a glance
- Paychecks and income spread in Yuba County
- Yuba County's most unusual numbers
- Yuba County industries and commutes
- Where Yuba County households live
- Places inside Yuba County
- How Yuba County compares with nearby counties
- Who lives in Yuba County, in numbers
- What the numbers mean for Yuba County borrowers
- Budget math at the Yuba County median
- Checklist for Yuba County applicants
- California rules that apply in Yuba County
- Nearby and statewide guides
- Frequently asked questions
Yuba County at a glance
The latest five-year Census estimate puts Yuba County's population at 84,507; only 38 of California's 58 county-level areas are larger. It covers 632 square miles of land, or about 134 people per square mile. It is one of the counties that make up the Yuba City, CA metropolitan statistical area (OMB, 2023). Linda is the biggest of its 11 Census places, at roughly 23,871 people (28% of the county total).
Paychecks and income spread in Yuba County
Half of Yuba County households take in less than $76,373 a year and half take in more, 23% below the California median of $99,122. That places it 35th among California's 58 county-level areas.
| Income band | Share in Yuba County | Difference from California |
|---|---|---|
| Under $35,000 | 22.2% | +4.5 pts |
| $35,000 to $99,999 | 41.1% | +8.4 pts |
| $100,000 to $199,999 | 28.5% | -0.6 pts |
| $200,000 or more | 8.2% | -12.3 pts |
The spread is wide: 37% of Yuba County households make $100,000 or more, and 22% make less than $35,000. 14.2% of residents fall below the federal poverty line (statewide: 12.0%). If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Yuba County median.
Yuba County's most unusual numbers
Ranked against the other 57 county-level areas in California, these are the Yuba County figures furthest from the middle.
- Few California counties match Yuba County on median age: 34.2 here, 37.9 for the state, ranking 8th lowest of 58. Younger borrowers often have thin credit files; a co-signer or credit union may help.
- Yuba County ranks 8th lowest of 58 California counties for the share of adults with a bachelor's degree: 18%, against 37% statewide. Lenders weigh income and credit, not schooling.
- Few California counties match Yuba County on the share of commutes over 45 minutes: 26% here, 19% for the state, ranking 8th highest of 58. Long drives make car repairs a common emergency; get two written quotes.
Yuba County industries and commutes
The biggest employer of Yuba County residents, by industry, is education and health care at 25% of workers, followed by retail trade (11%). The sharpest difference from the state is in public administration, at 9% locally and 5% for California. ACS puts five-year average unemployment at 6.8% in Yuba County. Long commutes are common here: 26% of workers spend 45 minutes or longer getting to work. 6.4% of households have no vehicle.
| Industry | Share of Yuba County workers | vs California |
|---|---|---|
| Education and health care | 24.8% | +2.8 pts |
| Retail trade | 11.2% | +1.1 pts |
| Construction | 9.1% | +2.4 pts |
| Public administration | 8.5% | +3.8 pts |
| Professional and administrative services | 8.2% | -6.3 pts |
| Arts, lodging and food service | 7.8% | -1.6 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Where Yuba County households live
$1,311 a month is the median gross rent in Yuba County, 36% below the state. About 5 in 10 Yuba County renters pay 30% or more of income for rent. With a median value of $412,300, a typical Yuba County house costs 5.4 times what the median household earns in a year. 63% of Yuba County households own their home and 37% rent.
| Housing | Yuba County | California statewide | Yuba County vs state |
|---|---|---|---|
| Median gross rent | $1,311/mo | $2,036/mo | 36% lower |
| Median home value | $412,300 | $734,700 | 44% lower |
| Owners | 63% | 56% | +7.6 pts |
| Rent-burdened renters | 54% | 55% | -1.6 pts |
| Burdened owners | 42% | 38% | +3.6 pts |
Rent pressure is real here, so run any payment through the debt-to-income calculator before you apply.
Places inside Yuba County
Places, by size: the top 11 of 11. Roughly 13% of Yuba County lives outside all of them, in open country or unnamed settlements. Incomes vary by place: $120,408 at the median in Plumas Lake, $54,386 in Dobbins. Live in one of these Yuba County communities, or between them? This is your local guide.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Linda | CDP | 23,871 | $72,776 | $1,211 | 15 mi |
| Olivehurst | CDP | 18,444 | $83,214 | $1,326 | 17 mi |
| Marysville | city | 12,726 | $56,430 | $1,295 | 15 mi |
| Plumas Lake | CDP | 9,418 | $120,408 | $2,302 | 23 mi |
| Wheatland | city | 3,876 | $83,452 | $1,264 | 17 mi |
| Loma Rica | CDP | 2,343 | $97,903 | $1,724 | 5 mi |
| Beale AFB | CDP | 1,344 | $70,061 | $2,758 | 11 mi |
| Challenge-Brownsville | CDP | 887 | n/a | $842 | 14 mi |
| Dobbins | CDP | 875 | $54,386 | n/a | 9 mi |
| Smartsville | CDP | 44 | n/a | n/a | 5 mi |
| Camptonville | CDP | 42 | $53,750 | n/a | 20 mi |
A CDP is a named community without its own municipal government.
How Yuba County compares with nearby counties
Six nearby counties, 25 to 49 miles away by the straight-line distance between their centers. Yuba County's $76,373 median trails 3 of the six and beats 3; the range runs $63,355 (Sierra County) to $115,998 (Placer County).
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Yuba County | - | $76,373 | $1,311/mo | 63% |
| Sutter County, CA | 25 mi | $79,704 | $1,439/mo | 61% |
| Butte County, CA | 31 mi | $67,928 | $1,414/mo | 57% |
| Nevada County, CA | 31 mi | $89,882 | $1,677/mo | 75% |
| Placer County, CA | 36 mi | $115,998 | $2,069/mo | 75% |
| Colusa County, CA | 48 mi | $75,672 | $1,157/mo | 62% |
| Sierra County, CA | 49 mi | $63,355 | n/a | 72% |
Who lives in Yuba County, in numbers
College graduates make up 18% of the adult population. About 6% go without health insurance.
| Yuba County | vs California | vs U.S. county median | |
|---|---|---|---|
| Bachelor's or higher | 17.7% | -19.3 pts | -4.4 pts |
| Work from home | 8.7% | -8.4 pts | +0.1 pts |
| Median age | 34.2 | -3.7 yrs | -7.3 yrs |
| Poverty rate | 14.2% | +2.2 pts | +1.0 pts |
| No high school diploma | 14.3% | -1.0 pts | n/a |
| No vehicle | 6.4% | -0.7 pts | +0.9 pts |
| Unemployment (ACS) | 6.8% | +0.2 pts | +2.4 pts |
| No health insurance | 6.4% | -0.1 pts | -1.4 pts |
| Commute length | Yuba County |
|---|---|
| Under 15 min | 19.7% |
| 15 to 29 min | 29.6% |
| 30 to 44 min | 25.0% |
| 45 to 59 min | 13.2% |
| 60+ min | 12.5% |
What the numbers mean for Yuba County borrowers
- Vehicle repairs. 26% of Yuba County workers commute 45+ minutes, so a breakdown can cost a paycheck. Get two written estimates.
- Yuba County rent burden. 54% of renters are cost-burdened; ask your landlord about a payment plan before borrowing for rent.
- Fraud. Gift cards, wire transfers or fees to unlock a loan mean walk away (report it).
Budget math at the Yuba County median
Here is the Yuba County median household run through a simple DTI check. Your numbers will differ.
- $6,364 a month: gross income for a household at the Yuba County median
- Median rent: $1,311, or 21 cents of every gross dollar
- With a 40% ceiling, about $1,235 remains for car, card, student and any new loan payments
These are gross figures; take-home pay in Yuba County will be lower after taxes and deductions.
Checklist for Yuba County applicants
Quick steps for Yuba County:
- Size the loan to the bill, not to the most a lender offers.
- Shop at least three lenders, including one Yuba County-area credit union.
- Look the lender up with the state regulator first.
- Lock paid-off cards after consolidating so balances stay at zero.
California rules that apply in Yuba County
No county office licenses personal lenders. For Yuba County, check the California Department of Financial Protection and Innovation. A CFPB complaint gets forwarded to the company for a response. Statewide data and rules: California guide.
Nearby and statewide guides
Next step up from Yuba County:
Frequently asked questions
Where does Yuba County rank on income in California?
35th of 58, with a median of $76,373. The state median is $99,122.
What do renters pay in Yuba County?
$1,311 a month at the median, about 21% of median household income.
How many towns are in Yuba County?
The Census Bureau counts 11 places mainly in the county, led by Linda, Olivehurst, Marysville, Plumas Lake, Wheatland.
Are Yuba County applicants treated differently?
No. Everyone answers the same questions and is screened on the same objective points; lending partners set their own criteria under fair-lending laws.
Is there a Yuba County office that licenses lenders?
No, licensing is statewide. In California it is the California Department of Financial Protection and Innovation.