Real Estate Investing in Mokelumne Hill, California (95245)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 95245 (Mokelumne Hill, 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: 22.2% of homes vacant — above national norms.
- Declining values: -1.2% 5-year CAGR — values have moved lower.
- 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 Mokelumne Hill, CA (95245)?
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Market Analysis: 95245 Mokelumne Hill
This part of Calaveras County is not an easy win. The 95245 ZIP stands at softness in key indicators, and the playbook that works in cleaner markets often stalls here.
From an investor standpoint, the numbers look inviting — $348K purchase price, 0.0% nominal cap — the work to hit that pro forma in 95245 is substantial and deserves full respect.
Regionally, 95245 sits on the difficult end of the CA spectrum. The a strong candidate for read — for disciplined operators — is that pricing reflects the difficulty.
A resilient renter share of 13% in 95245 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.
Experienced landlords with local relationships tend to find 95245 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 Mokelumne Hill:
Property Strategy for 95245
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $294,119 | $1,620 | 4.0% | +2.2% | $147,060 |
| 3BR | $403,128 | $2,190 | 3.9% | +3.2% | $134,376 |
Market Trends
Home Value History (with trend line)
📊 How Does 95245 Compare?
| Metric | 95245 | Mokelumne Hill | California |
|---|---|---|---|
| Home Value | $347,682 | $332,975 | $761,003 |
| 5-Year CAGR | N/A | N/A | 5.7% |
| Avg Rent | $1,458 | $1,422 | - |
| Cap Rate | 3.3% | 3.3% | - |
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 95245 (Mokelumne Hill, CA). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $347,682 |
| Monthly Rent | $1,458 |
| Price-to-Rent | 19.9:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.0% |
| Cap Rate | 3.3% |
| 5-Year IRR | 2.0% |
📈 Home Appreciation
| 1-Year | -1.8% ▼ |
| 3-Year CAGR | -2.2% ▼ |
| 5-Year CAGR | -1.2% ▼ |
| 10-Year CAGR | +4.3% ▲ |
🏠 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 (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.
Demographics in 95245
Population: 3,227
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 95245
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.
Frequently Asked Questions
Is housing expensive in Mokelumne Hill, CA?
The median home value in Mokelumne Hill, CA is roughly $348K. That puts it reasonable relative to the CA statewide average.
How deep is the rental pool in Mokelumne Hill, CA?
The renter base in Mokelumne Hill, CA is reasonable for the $1,458/mo price point. Screening well and pricing to market typically yields consistent tenants.
How much do tenants pay in Mokelumne Hill, CA?
Mokelumne Hill, CA rentals go for roughly $1,458/mo a month. That puts gross yield in solid territory relative to $348K acquisition costs.
Is Mokelumne Hill, CA good for house hacking?
For house hackers, Mokelumne Hill, CA is a challenging. The $1,458/mo rent on a unit helps defray the mortgage on a $348K property.
Is CA a landlord-friendly state?
Mokelumne Hill, CA operates under CA law, which is tenant-protective overall for landlords. Expect even-keeled treatment in typical lease and eviction cases.
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