Real Estate Investing in Cayucos, California (93430)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 93430 (Cayucos, CA)? Our answer, based on the numbers below.
Multiple negative signals. Better options likely exist nearby.
Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.
- High vacancy: 44.2% of homes vacant — above national norms.
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
- High price-to-rent: Price-to-rent ratio 56.6 — hard to cash-flow at these prices.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Cayucos, CA (93430)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 93430 Cayucos
The 93430 ZIP covers a section of Cayucos that demands careful diligence. Prices near $1.3M look accessible, but the work to make a deal cash flow is real.
If the plan assumes clean turnover, on-time rent, and low maintenance on a $1.3M asset, 93430 is the wrong submarket. If the plan prices in friction, the yield can still work.
Within CA, ZIP 93430 trails on several market indicators that neighboring San Luis Obispo County submarkets outperform. The gap is real and resilient enough to shape underwriting.
Who lives in 93430 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.
Distressed ZIPs reward experience. substantial returns are possible in 93430, but they flow to investors who already understand how to operate in soft markets.
Here's what matters if you're considering buying a home in Cayucos:
Property Strategy for 93430
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 1BR | $874,887 | $1,670 | 1.4% | +6.0% | $874,887 |
| 2BR | $1,109,638 | $2,200 | 1.4% | +6.7% | $554,819 |
| 3BR | $1,496,996 | $2,930 | 1.4% | +7.5% | $498,999 |
| 4BR | $1,891,720 | $3,320 | 1.3% | +10.1% | $472,930 |
Market Trends
Home Value History (with trend line)
📊 How Does 93430 Compare?
| Metric | 93430 | Cayucos | San Luis Obispo-Paso Robles, CA | California |
|---|---|---|---|---|
| Home Value | $1,344,258 | $1,344,258 | N/A | $761,003 |
| 5-Year CAGR | 3.6% | 3.6% | N/A | 5.7% |
| Avg Rent | $1,980 | $1,980 | N/A | - |
| Cap Rate | 1.2% | 1.2% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 93430 (Cayucos, CA). Anonymous, moderated, never written by AI.
Do you own or manage rentals in ZIP 93430 (Cayucos, CA)?
~25 seconds · no account needed · your report is anonymous
Property managers serving San Luis Obispo County
Manage rentals here? List your business →Academe Real Estate & Property Management is led by Fred Dotterrer in Atascadero, CA. summary from their website
California Property Services offers property management services. summary from their website
Nipomo Property Management offers property management services, listings, market analysis, and resources for buyers, sellers, and homeowners. summary from their website
Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.
📊 Market Snapshot
| Home Value | $1,344,258 |
| Monthly Rent | $1,980 |
| Price-to-Rent | 56.6:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 1.8% |
| Cap Rate | 1.2% |
| 5-Year IRR | 4.7% |
📈 Home Appreciation
| 1-Year | +2.1% ▲ |
| 3-Year CAGR | +0.5% ▲ |
| 5-Year CAGR | +3.6% ▲ |
| 10-Year CAGR | +5.4% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (1.2%). 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.
Demographics in 93430
Population: 3,257
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 93430
Schools in This ZIP Code
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 are vacancy rates like in Cayucos, CA?
Vacancy risk in Cayucos, CA is elevated. That supports reliable cash flow for typical rental holds.
What is the best play in Cayucos, CA?
The best-fit strategy in Cayucos, CA is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.
Is Cayucos, CA a good market for buy-and-hold investors?
Cayucos, CA rates 2.0/5 for investability. With median values at $1.3M and rents near $1,980/mo, the market offers reasonable fundamentals for rental investors.
Can I live-in-and-rent in Cayucos, CA?
Cayucos, CA offers a tougher house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $1,980/mo rent level.
How strong are rents in Cayucos, CA?
Rent in Cayucos, CA is around $1,980/mo. The resulting rent-to-value relationship with $1.3M pricing is reasonable for most investor models.
You know 93430 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 93430 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.
How 93430 ranks in San Luis Obispo-Paso Robles, CA
Every ZIP in this metro, ranked. Free.
AI Market Advisor
Ask questions about investing in 93430 (Cayucos)
Community Ratings
What people who’ve spent time here actually say. Not paid reviews.
Be the first to rate 93430 (Cayucos, CA).
It takes 30 seconds. No signup. Your rating helps everyone who comes here after you.