Real Estate Investing in Pinole, California (94564)

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

Contra Costa County • Population: 18,835 • Data updated: September 2026

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Should you buy in 94564 (Pinole, CA)? Our answer, based on the numbers below.

🏠 For Homebuyers
WEAK FIT
Grade F (35/100)

Multiple negative signals. Better options likely exist nearby.

📈 For Investors
WEAK
2.0 / 5 (33/100)

Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.

⚠️ Risks to Know
2 flags
  • Declining values: -0.5% 5-year CAGR — values have moved lower.
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.

What’s happening in Pinole, CA (94564)?

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2.0/ 5

Investability

Overall investment appeal

1.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $723,802
Avg Monthly Rent $3,057
1% Rule ✗ Does Not Meet
Median Income $113,630
% Renters 28.0%

Market Analysis: 94564 Pinole

Not every below-median market is a bargain. Pinole's 94564 ZIP reports signals that favor experienced operators who can absorb the risk $724K pricing implies.

On balance, the numbers look inviting — $724K purchase price, 0.0% nominal cap — the work to hit that pro forma in 94564 is substantial and deserves full respect.

In the broader CA picture, 94564 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

Resident income in 94564 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.

Strategy in 94564 is an operator game, not a passive one. Meanwhile, entry prices of $724K are inviting, the management lift is real and non-optional.

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 Pinole:

D Needs Caution
Buy Confidence Score: 44/100
Affordability
5/25
Appreciation
5/25
Stability
11/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 6.4× the median income
Value Trend
Stable (+0.5%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $3,057/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
⚖️
BALANCED MARKET
San Francisco-Oakland-Berkeley, CA Metro Area
Even conditions for buyers and sellers
38 days
Average time to sell
Average
7.6%
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 San Francisco-Oakland-Berkeley, CA metro data
🏠

Property Strategy for 94564

Which property type performs best in this market?

Best for Cash Flow
2BR
4.7% cap rate
Best for Appreciation
4BR
+2.5% 5yr CAGR
Best Overall Value
5BR
$172,663/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $477,776 $3,090 4.7% +1.8% $238,888
3BR $689,248 $3,950 4.1% +2.4% $229,749
4BR $783,370 $4,680 4.3% +2.5% $195,842
5BR $863,317 +2.0% $172,663

Market Trends

Home Value History (with trend line)

$853K$772K$691K$611K$530K$449KFeb 2016May 2021Jul 2026

Rent History (with trend line)

$3,067$3,038$3,008$2,979$2,950$2,921Oct 2025Mar 2026Jul 2026

📊 How Does 94564 Compare?

Metric 94564 Pinole San Francisco-Oakland-Berkeley, CA California
Home Value $723,802 $723,802 N/A $761,003
5-Year CAGR N/A N/A N/A 5.7%
Avg Rent $3,057 $3,057 N/A -
Cap Rate 3.3% 3.3% - -
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 94564 (Pinole, CA). Anonymous, moderated, never written by AI.

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Property managers serving Contra Costa County

Manage rentals here? List your business →

Advantage Property Management Services offers Pleasanton property management, including marketing, tenant screening, rent collection, maintenance, accounting, and eviction. summary from their website

Unclaimed — is this your business? Claim it free

Main Street Property Services is a full-service retail real estate company specializing in value-added leasing of shopping centers and downtown shopping districts. summary from their website

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Maisel Property Management Inc's homepage text is minimal, but the domain name strongly suggests property management services. summary from their website

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Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.

Investability
Fair
Cap Rate
3.3%
Low
5yr Growth
-0.5%
Declining

📊 Market Snapshot

Home Value $723,802
Monthly Rent $3,057
Price-to-Rent 19.7:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.1%
Cap Rate 3.3%
5-Year IRR 2.8%

📈 Home Appreciation

1-Year +0.5% ▲
3-Year CAGR -1.0% ▼
5-Year CAGR -0.5% ▼
10-Year CAGR +4.2% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.3%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.3%). 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
5.7%
Low risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
-0.5%
Flat
Eviction process: Very Slow Rent control: Unfavorable

Demographics in 94564

Population: 18,835

💰 Median Household Income
$113,630
This area
$113,630
State
$94,164
USA
$74,580
🏠 Renter Occupied
28.0%
This area
28.0%
State
39.3%
USA
34.0%
💼 Unemployment Rate
2.5%
This area
2.5%
State
-16.6%
USA
3.7%
🎓 College Educated
37.8%
This area
37.8%
State
7.7%
USA
33.7%
👤 Median Age
42.6 years
This area
42.6 years
State
9.6 years
USA
38.9 years
🏚️ Vacancy Rate
5.7%
This area
5.7%
State
15.3%
USA
10.5%
👥 Population by Ethnicity
White 36.7%
Other/Mixed 27.4%
Asian 24.1%
Hispanic/Latino 19.8%
Black/African American 11.8%
👶 Under 18
17.6%
This area
17.6%
USA
22.0%
👴 65 and Over
22.2%
This area
22.2%
USA
17.3%
📊 Poverty Rate
2.7%
This area
2.7%
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 94564

B+ Avg School Grade
7 Schools
20.8:1 Avg Class Size
$20,722 Avg Per Pupil

Schools in This ZIP Code

A Very Good

Collins Elementary

📚 K – 06 School
👥
303 Students
👨‍🏫
20.2:1 Class Size
💰
$20,722 Per Student
A Very Good

Ellerhorst Elementary

📚 K – 06 School
👥
303 Students
👨‍🏫
18.9:1 Class Size
💰
$20,722 Per Student
A Very Good

Pinole Middle

📚 07 – 08 Middle
👥
379 Students
👨‍🏫
19.0:1 Class Size
💰
$20,722 Per Student
A Very Good

Shannon Elementary

📚 K – 06 School
👥
343 Students
👨‍🏫
21.4:1 Class Size
💰
$20,722 Per Student
A Very Good

Stewart Elementary

📚 K – 08 School
👥
366 Students
👨‍🏫
18.4:1 Class Size
💰
$20,722 Per Student
B+ Above Average

West County Mandarin

📚 K – 08 School
👥
434 Students
👨‍🏫
24.1:1 Class Size
💰
$20,722 Per Student
B Good

Pinole Valley High

📚 09 – 12 High School
👥
1,292 Students
👨‍🏫
23.3:1 Class Size
💰
$20,722 Per Student

Nearby Schools (5 more)

Schools in adjacent ZIP codes that may serve this area

A Very Good

Betty Reid Soskin Middle

📚 06 – 08 Middle
📍 1121 Allview Ave., El Sobrante
👥
378 Students
👨‍🏫
18.7:1 Class Size
💰
$20,722 Per Student
A Very Good

Lupine Hills Elementary

📚 K – 05 Elementary
📍 1919 Lupine Rd., Hercules
👥
381 Students
👨‍🏫
19.1:1 Class Size
💰
$20,722 Per Student
A Very Good

Murphy Elementary

📚 K – 06 School
📍 4350 Valley View Rd., El Sobrante
👥
445 Students
👨‍🏫
20.2:1 Class Size
💰
$20,722 Per Student
A Very Good

Sheldon Elementary

📚 K – 06 School
📍 2601 May Rd., Richmond
👥
320 Students
👨‍🏫
21.6:1 Class Size
💰
$20,722 Per Student
B+ Above Average

Valley View Elementary

📚 K – 06 School
📍 3416 Maywood Dr., Richmond
👥
219 Students
👨‍🏫
19.9:1 Class Size
💰
$20,722 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

8 Nearby 1,871 Off-Campus Students
C
Contra Costa College
5,997 students · 3.9 mi
C+
California State University Maritime Academy
805 students · 5.9 mi
C
Touro University California
1,090 students · 6.7 mi
C
Dominican School of Philosophy & Theology
66 students · 7.5 mi
D
Contra Costa Community College District Office
0 students · 7.6 mi
D
Pacific School of Religion
128 students · 7.8 mi
C
Church Divinity School of the Pacific
54 students · 7.8 mi
D
Graduate Theological Union
178 students · 7.9 mi

Investor Insight: With 1,871 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What price range are homes in Pinole, CA?

Median home price in Pinole, CA is near $724K, with a 5-year CAGR of 0.0%. Prices have been steady and supportive of buy-and-hold strategies.

What is the tenant pool like in Pinole, CA?

Expect a solid tenant pool in Pinole, CA. The rental market absorbs $3,057/mo rents without meaningful friction.

What does house hacking look like in Pinole, CA?

The a challenging house-hack environment in Pinole, CA reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.

What is the typical rental rate in Pinole, CA?

The typical rental in Pinole, CA commands about $3,057/mo monthly. That rent profile predictable cash flow against the $724K purchase basis.

How high is vacancy risk in Pinole, CA?

Pinole, CA carries elevated vacancy risk. Expect consistent absorption at market rents of $3,057/mo.

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How 94564 ranks in San Francisco-Oakland-Berkeley, CA

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