Real Estate Investing in Oakhurst, California (93644)

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

Madera County • Population: 6,490 • Data updated: September 2026

☆ Watch this market Free account

Should you buy in 93644 (Oakhurst, CA)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (45/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 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
2 flags
  • High vacancy: 24.6% of homes vacant — above national norms.
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.

What’s happening in Oakhurst, CA (93644)?

Click any question — our AI will research it live from the web and show you sources.

✨ Live AI + Web Search
Want to ask your own questions? Upgrade to Pro for unlimited custom queries.
3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $435,759
Avg Monthly Rent $2,000
1% Rule ✗ Does Not Meet
Median Income $73,431
% Renters 24.0%

Market Analysis: 93644 Oakhurst

The 93644 ZIP covers a section of Oakhurst that demands careful diligence. Prices near $436K look accessible, but the work to make a deal cash flow is real.

For an experienced owner, 93644 can be a worth a close look for hunting ground — but the discount at $436K reflects genuine risk that outside investors often underestimate.

In practical terms, 93644 offers a low basis, the region around Oakhurst has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.

The 93644 ZIP's population of 6,490 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that posts the need for careful underwriting.

Distressed ZIPs reward experience. notable returns are possible in 93644, but they flow to investors who already understand how to operate in soft markets.

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 Oakhurst:

C Below Average
Buy Confidence Score: 58/100
Affordability
10/25
Appreciation
14/25
Stability
9/20
Timing
10/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.9× the median income
Value Trend
Declining (-1.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,000/mo if you need to move
Market Conditions
COOL
More inventory, negotiating room for buyers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
❄️
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 93644

Which property type performs best in this market?

Best for Cash Flow
3BR
3.8% cap rate
Best for Appreciation
4BR
+6.3% 5yr CAGR
Best Overall Value
5BR
$131,576/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $346,903 $1,630 3.4% +5.7% $173,452
3BR $434,415 $2,270 3.8% +6.0% $144,805
4BR $565,763 $2,690 3.4% +6.3% $141,441
5BR $657,880 +5.4% $131,576

Market Trends

Home Value History (with trend line)

$469K$406K$343K$280K$216K$153KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

No data available

📊 How Does 93644 Compare?

Metric 93644 Oakhurst Madera, CA California
Home Value $435,759 $435,759 N/A $761,003
5-Year CAGR 2.8% 2.8% N/A 5.7%
Avg Rent $2,000 $2,000 N/A -
Cap Rate 3.6% 3.6% - -
💡 Why Invest in 93644? 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.
Open the Market Finder →
Free to search · investor plans from $19/mo

Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 93644 (Oakhurst, CA). Anonymous, moderated, never written by AI.

Do you own or manage rentals in ZIP 93644 (Oakhurst, CA)?

~25 seconds · no account needed · your report is anonymous

Investability
Good
Cap Rate
3.6%
Low
5yr Growth
+2.8%
Slow

📉 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 $435,759
Monthly Rent $2,000
Price-to-Rent 18.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.5%
Cap Rate 3.6%
5-Year IRR 6.4%

📈 Home Appreciation

1-Year -1.1% ▼
3-Year CAGR +1.3% ▲
5-Year CAGR +2.8% ▲
10-Year CAGR +5.9% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.6%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.6%). 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
24.6%
Elevated risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+2.8%
Stable
Eviction process: Very Slow Rent control: Unfavorable

Demographics in 93644

Population: 6,490

💰 Median Household Income
$73,431
This area
$73,431
State
$94,164
USA
$74,580
🏠 Renter Occupied
24.0%
This area
24.0%
State
39.3%
USA
34.0%
💼 Unemployment Rate
5.8%
This area
5.8%
State
-16.6%
USA
3.7%
🎓 College Educated
31.5%
This area
31.5%
State
7.7%
USA
33.7%
👤 Median Age
47.4 years
This area
47.4 years
State
9.6 years
USA
38.9 years
🏚️ Vacancy Rate
24.6%
This area
24.6%
State
15.3%
USA
10.5%
👥 Population by Ethnicity
White 86.2%
Other/Mixed 11.6%
Hispanic/Latino 8.9%
Asian 1.5%
Black/African American 0.8%
👶 Under 18
16.9%
This area
16.9%
USA
22.0%
👴 65 and Over
27.4%
This area
27.4%
USA
17.3%
📊 Poverty Rate
14.0%
This area
14.0%
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 93644

C+ Avg School Grade
9 Schools
18.6:1 Avg Class Size
$15,534 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

Oakhurst Elementary

📚 K – 05 Elementary
👥
347 Students
👨‍🏫
19.5:1 Class Size
💰
$17,387 Per Student
B+ Above Average

Yosemite High

📚 09 – 12 High School
👥
557 Students
👨‍🏫
21.1:1 Class Size
💰
$17,189 Per Student
B Good

Oak Creek Intermediate

📚 06 – 08 Middle
👥
191 Students
👨‍🏫
22.0:1 Class Size
💰
$17,387 Per Student
B Good

Yosemite Falls Education Center

📚 K – 12 K-12
👥
33 Students
👨‍🏫
12.3:1 Class Size
💰
$17,189 Per Student
C+ Average

Ahwahnee High

📚 09 – 12 High School
👥
21 Students
👨‍🏫
15.3:1 Class Size
💰
$17,189 Per Student
C+ Average

Campbell High Community Day

📚 09 – 12 High School Limited Data
💰
$17,189 Per Student
C+ Average

Glacier High School Charter

📚 09 – 12 High School Charter
👥
82 Students
👨‍🏫
13.2:1 Class Size
💰
$10,926 Per Student
C+ Average

Evergreen High

📚 09 – 12 High School
👥
45 Students
👨‍🏫
19.3:1 Class Size
💰
$17,189 Per Student
D Needs Improvement

Mountain Home Charter (Alternative)

📚 K – 08 School Charter
👥
214 Students
👨‍🏫
26.4:1 Class Size
💰
$8,158 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

Are eviction rules reasonable in Oakhurst, CA?

Rental owners in Oakhurst, CA deal with a tenant-protective legal framework. Most standard eviction processes run on reasonable timelines.

What are vacancy rates like in Oakhurst, CA?

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

How should investors approach Oakhurst, CA?

Investors usually favor careful cash-flow rentals with hands-on management in Oakhurst, CA. With home values at $436K and rents near $2,000/mo, other strategies can work but produce consistent rather than outsized returns.

Can I live-in-and-rent in Oakhurst, CA?

Oakhurst, CA offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $2,000/mo rent level.

What is the renter demographic in Oakhurst, CA?

Tenant demand in Oakhurst, CA is solid. The local workforce $2,000/mo rents across most rental classes.

You know 93644 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 93644 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.

Compare Plans

How 93644 ranks in Madera, CA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
🤖

AI Market Advisor

Ask questions about investing in 93644 (Oakhurst)

Loading...

Community Ratings

What people who’ve spent time here actually say. Not paid reviews.

Be the first to rate 93644 (Oakhurst, CA).

It takes 30 seconds. No signup. Your rating helps everyone who comes here after you.