Real Estate Investing in Chowchilla, California (93610)

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

Madera County • Population: 24,088 • Data updated: September 2026

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Should you buy in 93610 (Chowchilla, CA)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (67/100)

Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.

📈 For Investors
MIXED
3.0 / 5 (52/100)

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
1 flag
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.

What’s happening in Chowchilla, CA (93610)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $392,394
Avg Monthly Rent $2,231
1% Rule ✗ Does Not Meet
Median Income $69,383
% Renters 45.1%

Market Analysis: 93610 Chowchilla

ZIP 93610 in Chowchilla, CA carries a resilient set of headwinds. Home values near $392K and rents of $2,231/mo sit inside a market where underwriting has to be tight.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $392K asset, 93610 is the wrong submarket. If the plan prices in friction, the yield can still work.

Regionally, 93610 sits on the difficult end of the CA spectrum. The a viable market for read — for disciplined operators — is that pricing reflects the difficulty.

Employment concentration in 93610 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.

leans the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.

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 Chowchilla:

C+ Average
Buy Confidence Score: 66/100
Affordability
10/25
Appreciation
18/25
Stability
13/20
Timing
10/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.7× the median income
Value Trend
Stable (+1.7%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,231/mo if you need to move
Market Conditions
COOL
More inventory, negotiating room for buyers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
❄️
COOL MARKET
Madera, CA Metro Area
More inventory, negotiating room for buyers
61 days
Average time to sell
Slow
6.6%
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 Madera, CA metro data
🏠

Property Strategy for 93610

Which property type performs best in this market?

Best for Cash Flow
3BR
3.8% cap rate
Best for Appreciation
4BR
+7.0% 5yr CAGR
Best Overall Value
5BR
$99,392/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $266,170 $1,360 3.7% +6.9% $133,085
3BR $358,483 $1,880 3.8% +7.0% $119,494
4BR $439,929 $2,290 3.7% +7.0% $109,982
5BR $496,960 +6.6% $99,392

Market Trends

Home Value History (with trend line)

$419K$352K$284K$217K$150K$82KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$2,318$2,194$2,071$1,947$1,824$1,700Oct 2025Feb 2026May 2026

📊 How Does 93610 Compare?

Metric 93610 Chowchilla Madera, CA California
Home Value $392,394 $392,394 N/A $761,003
5-Year CAGR 4.3% 4.3% N/A 5.7%
Avg Rent $2,231 $2,231 N/A -
Cap Rate 4.4% 4.4% - -
💡 Why Invest in 93610? Click to expand

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

A healthy rental market with 45% renter-occupied households ensures tenant availability.

📊 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 93610 (Chowchilla, CA). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.4%
Fair
5yr Growth
+4.3%
Moderate

📉 Market Crash Risk Index

Based on Madera, CA metro

2/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
47%
Days Pending
2/2
61 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $392,394
Monthly Rent $2,231
Price-to-Rent 14.7:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.8%
Cap Rate 4.4%
5-Year IRR 8.7%

📈 Home Appreciation

1-Year +1.7% ▲
3-Year CAGR +3.1% ▲
5-Year CAGR +4.3% ▲
10-Year CAGR +7.2% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.4%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.4%). 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
6.5%
Low risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+4.3%
Stable
Eviction process: Very Slow Rent control: Unfavorable

Demographics in 93610

Population: 24,088

💰 Median Household Income
$69,383
This area
$69,383
State
$94,164
USA
$74,580
🏠 Renter Occupied
45.1%
This area
45.1%
State
39.3%
USA
34.0%
💼 Unemployment Rate
4.1%
This area
4.1%
State
-16.6%
USA
3.7%
🎓 College Educated
13.2%
This area
13.2%
State
7.7%
USA
33.7%
👤 Median Age
34.6 years
This area
34.6 years
State
9.6 years
USA
38.9 years
🏚️ Vacancy Rate
6.5%
This area
6.5%
State
15.3%
USA
10.5%
👥 Population by Ethnicity
White 50.9%
Other/Mixed 39.1%
Hispanic/Latino 34.0%
Asian 5.0%
Black/African American 4.9%
👶 Under 18
23.0%
This area
23.0%
USA
22.0%
👴 65 and Over
10.1%
This area
10.1%
USA
17.3%
📊 Poverty Rate
12.9%
This area
12.9%
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 93610

C+ Avg School Grade
9 Schools
24.0:1 Avg Class Size
$16,088 Avg Per Pupil

Schools in This ZIP Code

B Good

Merle L. Fuller Elementary

📚 K – 02 Elementary
👥
540 Students
👨‍🏫
21.6:1 Class Size
💰
$16,786 Per Student
B Good

Wilson Middle

📚 07 – 08 Middle
👥
475 Students
👨‍🏫
21.7:1 Class Size
💰
$16,786 Per Student
B Good

Alview Elementary

📚 K – 03 Elementary
👥
171 Students
👨‍🏫
19.1:1 Class Size
💰
$14,375 Per Student
B Good

Fairmead Elementary

📚 05 – 06 School
👥
473 Students
👨‍🏫
25.6:1 Class Size
💰
$16,786 Per Student
B Good

Ronald Reagan Elementary

📚 03 – 04 Elementary
👥
481 Students
👨‍🏫
22.4:1 Class Size
💰
$16,786 Per Student
C+ Average

Dairyland Elementary

📚 04 – 08 School
👥
215 Students
👨‍🏫
22.5:1 Class Size
💰
$14,375 Per Student
C+ Average

Stephens Elementary

📚 K – 02 Elementary
👥
202 Students
👨‍🏫
25.3:1 Class Size
💰
$16,786 Per Student
C+ Average

Chowchilla Union High

📚 09 – 12 High School
👥
1,067 Students
👨‍🏫
22.8:1 Class Size
💰
$16,055 Per Student
D Needs Improvement

Gateway High (Continuation)

📚 09 – 12 High School
👥
67 Students
👨‍🏫
35.3:1 Class Size
💰
$16,055 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.

🎓 Nearby Colleges & Universities

1 Nearby
D
San Joaquin Valley College-Madera
82 students · 13.9 mi

Frequently Asked Questions

What are vacancy rates like in Chowchilla, CA?

Vacancy risk in Chowchilla, CA is elevated. That supports consistent cash flow for typical rental holds.

Is housing expensive in Chowchilla, CA?

Typical homes in Chowchilla, CA go for around $392K. The 5-year CAGR of 0.0% reliable price movement.

How does Chowchilla, CA stack up for property investment?

The 3.0/5 investability rating in Chowchilla, CA reflects its $392K prices and $2,231/mo rents. Investors generally consider it a solid option within CA.

What strategy should investors use in Chowchilla, CA?

In Chowchilla, CA the sturdy play is typically careful cash-flow rentals with hands-on management. The combination of $392K prices and $2,231/mo rents suits that approach.

What is the average monthly rent in Chowchilla, CA?

The typical rental in Chowchilla, CA commands about $2,231/mo monthly. That rent profile reliable cash flow against the $392K purchase basis.

You know 93610 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 93610 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 93610 ranks in Madera, CA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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