Real Estate Investing in Moss Landing, California (95012)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 95012 (Moss Landing, 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.
- Flat appreciation: Values have barely moved over 5 years (1.4% CAGR).
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Moss Landing, CA (95012)?
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Market Analysis: 95012 Moss Landing
The 95012 ZIP covers a section of Moss Landing that demands careful diligence. Prices near $688K look accessible, but the work to make a deal cash flow is real.
Distressed markets are won on execution, not on spreadsheets. ZIP 95012 comes in at the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.
ZIP 95012's metrics run below Monterey County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.
The demographic picture in 95012 includes headwinds that any investor should price in. Income distribution skews lower than Moss Landing averages, and tenant stability requires active management.
Experienced landlords with local relationships tend to find 95012 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.
Here's what matters if you're considering buying a home in Moss Landing:
Property Strategy for 95012
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $577,773 | $2,690 | 3.4% | +2.7% | $288,887 |
| 3BR | $681,426 | $3,630 | 3.8% | +3.3% | $227,142 |
| 4BR | $720,586 | $3,950 | 3.9% | +4.2% | $180,147 |
Market Trends
Home Value History (with trend line)
📊 How Does 95012 Compare?
| Metric | 95012 | Moss Landing | Salinas, CA | California |
|---|---|---|---|---|
| Home Value | $688,351 | $888,499 | N/A | $761,003 |
| 5-Year CAGR | 1.4% | 1.1% | N/A | 5.7% |
| Avg Rent | $2,421 | $2,421 | N/A | - |
| Cap Rate | 2.7% | 2.2% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 95012 (Moss Landing, CA). Anonymous, moderated, never written by AI.
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Property managers serving Monterey County
Manage rentals here? List your business →36 North Property Management is a leader in Monterey County, providing property management services. summary from their website
A. G. Davi Property Management is a full-service property management company in Monterey, California, offering commercial, long-term residential, and vacation rental management services. summary from their website
Creative Property Management is a premier property manager on the Monterey Peninsula, offering residential and commercial income property management services with over 40 years of experience. 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 | $688,351 |
| Monthly Rent | $2,421 |
| Price-to-Rent | 23.7:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.2% |
| Cap Rate | 2.7% |
| 5-Year IRR | 4.2% |
📈 Home Appreciation
| 1-Year | +1.0% ▲ |
| 3-Year CAGR | +0.4% ▲ |
| 5-Year CAGR | +1.4% ▲ |
| 10-Year CAGR | +4.8% ▲ |
🏠 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 (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.
Demographics in 95012
Population: 11,147
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 95012
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.
🎓 Nearby Colleges & Universities
Investor Insight: With 2,695 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
Is real estate in Moss Landing, CA a good investment right now?
Moss Landing, CA scores 2.0/5 for investability. Home values sit at $688K and rents near $2,421/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.
What is the typical vacancy rate in Moss Landing, CA?
Moss Landing, CA vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.
What are home prices like in Moss Landing, CA?
Median home price in Moss Landing, CA is near $688K, with a 5-year CAGR of 0.0%. Prices have been predictable and supportive of buy-and-hold strategies.
How viable is house hacking in Moss Landing, CA?
House hacking in Moss Landing, CA is a challenging. With home values around $688K and rents at $2,421/mo, owner-occupants can offset a meaningful share of PITI.
Are rents high in Moss Landing, CA?
Moss Landing, CA rentals go for roughly $2,421/mo a month. That puts gross yield in solid territory relative to $688K acquisition costs.
You know 95012 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 95012 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 95012 ranks in Salinas, CA
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