Real Estate Investing in Moss Landing, California (95039)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 95039 (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.
- High vacancy: 20.5% of homes vacant — above national norms.
- Flat appreciation: Values have barely moved over 5 years (0.7% CAGR).
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
- High price-to-rent: Price-to-rent ratio 37.5 — 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 Moss Landing, CA (95039)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 95039 Moss Landing
Not every below-median market is a bargain. Moss Landing's 95039 ZIP posts signals that favor experienced operators who can absorb the risk $1.1M pricing implies.
Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 95039 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.
In the broader CA picture, 95039 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.
Who lives in 95039 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.
The right play in 95039 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.
Here's what matters if you're considering buying a home in Moss Landing:
Market Trends
Home Value History (with trend line)
📊 How Does 95039 Compare?
| Metric | 95039 | Moss Landing | Salinas, CA | California |
|---|---|---|---|---|
| Home Value | $1,088,648 | $888,499 | N/A | $761,003 |
| 5-Year CAGR | 0.7% | 1.1% | N/A | 5.7% |
| Avg Rent | $2,421 | $2,421 | N/A | - |
| Cap Rate | 1.7% | 2.2% | - | - |
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 95039 (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 | $1,088,648 |
| Monthly Rent | $2,421 |
| Price-to-Rent | 37.5:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 2.7% |
| Cap Rate | 1.7% |
| 5-Year IRR | 2.5% |
📈 Home Appreciation
| 1-Year | -1.5% ▼ |
| 3-Year CAGR | +0.3% ▲ |
| 5-Year CAGR | +0.7% ▲ |
| 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 (1.7%). 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 95039
Population: 1,279
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 95039
Nearby Schools (4 more)
Schools in adjacent ZIP codes that may serve this area
North Monterey County Middle
Castroville Elementary
Elkhorn Elementary
North Monterey County High
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 9,455 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
How does Moss Landing, CA rate as a rental market?
Moss Landing, CA rates 2.0/5 for investability. With median values at $1.1M and rents near $2,421/mo, the market offers reasonable fundamentals for rental investors.
What are home prices like in Moss Landing, CA?
The median home value in Moss Landing, CA is roughly $1.1M. That puts it reasonable relative to the CA statewide average.
What do rentals go for in Moss Landing, CA?
Average rent in Moss Landing, CA is approximately $2,421/mo per month. Against $1.1M home values that yields a reasonable rent-to-price ratio.
Do rentals sit vacant long in Moss Landing, CA?
Rental vacancy in Moss Landing, CA is elevated. Investors should budget normal turnover but not chronic empty units.
How viable is house hacking in Moss Landing, CA?
The house hack math a tougher in Moss Landing, CA. Owner-occupant buyers benefit from the $2,421/mo rents and $1.1M home values.
You know 95039 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 95039 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 95039 ranks in Salinas, CA
Every ZIP in this metro, ranked. Free.
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