Most Affordable ZIP Codes in Merced, CA (2026)
The lowest entry prices that still hold a decent investability rating — cheap is only useful if the market underneath it is sound.
| # | ZIP | City | Home value | Rent | Cap rate | 5-yr growth |
|---|---|---|---|---|---|---|
| 1 | 93665 | Firebaugh, CA | $281,087 | $1,305 | 3.62% | 2.4% |
| 2 | 95365 | Planada, CA | $296,019 | $1,224 | 3.23% | 3.8% |
| 3 | 95333 | Le Grand, CA | $354,787 | $1,224 | 2.69% | 3.0% |
| 4 | 95341 | Merced, CA | $364,341 | $2,062 | 4.42% | 3.9% |
| 5 | 95388 | Winton, CA | $366,429 | $1,224 | 2.61% | 3.9% |
| 6 | 93620 | Dos Palos, CA | $367,181 | $1,224 | 2.60% | 3.3% |
| 7 | 95340 | Merced, CA | $406,091 | $1,795 | 3.45% | 3.1% |
| 8 | 95348 | Merced, CA | $416,649 | $2,115 | 3.96% | 3.2% |
| 9 | 95315 | Delhi, CA | $418,406 | $1,287 | 2.40% | 3.2% |
| 10 | 95322 | Gustine, CA | $424,312 | $1,305 | 2.40% | 2.8% |
| 11 | 95301 | Atwater, CA | $424,764 | $1,615 | 2.97% | 3.3% |
| 12 | 95334 | Livingston, CA | $427,218 | $1,449 | 2.65% | 2.9% |
| 13 | 93635 | Los Banos, CA | $463,766 | $2,362 | 3.97% | 2.1% |
| 14 | 95324 | Hilmar, CA | $490,438 | $1,629 | 2.59% | 2.9% |
Ranked from Repit’s own ZIP-level data — Zillow home values and rents, HUD fair-market rents where Zillow has no coverage, and U.S. Census vacancy. Cap rate is gross: annual rent over purchase price, before financing and expenses. Every ZIP above links to its full free page. How we calculate this →
Same metro, different strategy
Cash Flow in Merced, CA · Appreciation in Merced, CA
Or see the full Merced, CA metro profile.