Real Estate Investing in California, Missouri (65018)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Moniteau County • Population: 7,811 • Data updated: September 2026

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Should you buy in 65018 (California, MO)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (71/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
CLEAN

No major risk flags on the data we track.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in California, MO (65018)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $240,451
Avg Monthly Rent $846
1% Rule ✗ Does Not Meet
Median Income $70,273
% Renters 24.1%

Market Analysis: 65018 California

ZIP 65018 in California, MO carries a durable set of headwinds. Home values near $240K and rents of $846/mo sit inside a market where underwriting has to be tight.

The 65018 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

Regionally, 65018 sits on the difficult end of the MO spectrum. The a solid fit for read — for disciplined operators — is that pricing reflects the difficulty.

Who lives in 65018 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

Strategically, 65018 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in California:

B Good
Buy Confidence Score: 74/100
Affordability
20/25
Appreciation
22/25
Stability
9/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.4× the median income
Value Trend
Rising (+6.6%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $846/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
⚖️
BALANCED MARKET
Jefferson City, MO Metro Area
Even conditions for buyers and sellers
33 days
Average time to sell
Average
9.8%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Jefferson City, MO metro data
🏠

Property Strategy for 65018

Which property type performs best in this market?

Best for Cash Flow
2BR
4.8% cap rate
Best for Appreciation
2BR
+8.8% 5yr CAGR
Best Overall Value
2BR
$70,653/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $141,306 $940 4.8% +8.8% $70,653
3BR $218,385 $1,280 4.2% +8.3% $72,795
4BR $283,273 $1,440 3.7% +8.8% $70,818

Market Trends

Home Value History (with trend line)

$258K$224K$191K$158K$124K$91KMar 2009Nov 2017Jul 2026

📊 How Does 65018 Compare?

Metric 65018 California Jefferson City, MO Missouri
Home Value $240,451 $240,451 N/A $254,657
5-Year CAGR 6.7% 6.7% N/A 7.0%
Avg Rent $846 $846 N/A -
Cap Rate 2.7% 2.7% - -
💡 Why Invest in 65018? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 65018 (California, MO). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.7%
Low
5yr Growth
+6.7%
Strong

📉 Market Crash Risk Index

Based on Jefferson City, MO metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
40%
Days Pending
0/2
33 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $240,451
Monthly Rent $846
Price-to-Rent 23.7:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.2%
Cap Rate 2.7%
5-Year IRR 9.4%

📈 Home Appreciation

1-Year +6.6% ▲
3-Year CAGR +5.8% ▲
5-Year CAGR +6.7% ▲
10-Year CAGR +6.8% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.7%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.7%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
6.7%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+6.7%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 65018

Population: 7,811

💰 Median Household Income
$70,273
This area
$70,273
State
$62,768
USA
$74,580
🏠 Renter Occupied
24.1%
This area
24.1%
State
23.7%
USA
34.0%
💼 Unemployment Rate
2.2%
This area
2.2%
State
-8.1%
USA
3.7%
🎓 College Educated
21.4%
This area
21.4%
State
8.6%
USA
33.7%
👤 Median Age
38.0 years
This area
38.0 years
State
20.4 years
USA
38.9 years
🏚️ Vacancy Rate
6.7%
This area
6.7%
State
18.8%
USA
10.5%
👥 Population by Ethnicity
White 92.3%
Other/Mixed 5.8%
Hispanic/Latino 2.7%
Black/African American 1.4%
Asian 0.5%
👶 Under 18
23.0%
This area
23.0%
USA
22.0%
👴 65 and Over
16.9%
This area
16.9%
USA
17.3%
📊 Poverty Rate
5.3%
This area
5.3%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 65018

B+ Avg School Grade
3 Schools
12.6:1 Avg Class Size
$13,434 Avg Per Pupil

Schools in This ZIP Code

A Very Good

CALIFORNIA ELEM.

📚 Pre-K – 04 Elementary
👥
492 Students
👨‍🏫
11.0:1 Class Size
💰
$13,434 Per Student
B+ Above Average

CALIFORNIA HIGH

📚 09 – 12 High School
👥
446 Students
👨‍🏫
13.8:1 Class Size
💰
$13,434 Per Student
B+ Above Average

CALIFORNIA MIDDLE

📚 05 – 08 School
👥
416 Students
👨‍🏫
13.0:1 Class Size
💰
$13,434 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

Frequently Asked Questions

What type of investing works in California, MO?

Investors usually favor careful cash-flow rentals with hands-on management in California, MO. With home values at $240K and rents near $846/mo, other strategies can work but produce consistent rather than outsized returns.

How strong are rents in California, MO?

The typical rental in California, MO commands about $846/mo monthly. That rent profile steady cash flow against the $240K purchase basis.

What is the typical home price in California, MO?

In California, MO the median home value sits at $240K. Against the broader MO market, that reads as reasonable for most investors.

Is California, MO good for landlords?

For rental operators, California, MO rates as landlord-friendly. The regulatory environment standard buy-and-hold operations.

What kind of market is California, MO for investors?

Our data puts California, MO at 3.0/5 for investability. Home prices of $240K and rents around $846/mo create a solid backdrop for investor activity.

You know 65018 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 65018 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 65018 ranks in Jefferson City, MO

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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