Real Estate Investing in Mokelumne Hill, California (95248)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 95248 (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: 77.9% of homes vacant — above national norms.
- Declining values: -2.3% 5-year CAGR — values have moved lower.
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
- Elevated poverty: 54.8% poverty rate — can affect rent collection.
• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • 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 (95248)?
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Market Analysis: 95248 Mokelumne Hill
The 95248 ZIP in Mokelumne Hill, CA is a local-operator market. Outside capital chasing a $318K entry has to pair deep knowledge with the discount.
If the plan assumes clean turnover, on-time rent, and low maintenance on a $318K asset, 95248 is the wrong submarket. If the plan prices in friction, the yield can still work.
Statewide comparisons place 95248 among CA's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.
The 95248 ZIP's population of 66 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that clocks in at the need for careful underwriting.
The right play in 95248 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 Mokelumne Hill:
Market Trends
Home Value History (with trend line)
📊 How Does 95248 Compare?
| Metric | 95248 | Mokelumne Hill | California |
|---|---|---|---|
| Home Value | $318,269 | $332,975 | $761,003 |
| 5-Year CAGR | N/A | N/A | 5.7% |
| Avg Rent | $1,386 | $1,422 | - |
| Cap Rate | 3.4% | 3.3% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 95248 (Mokelumne Hill, CA). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $318,269 |
| Monthly Rent | $1,386 |
| Price-to-Rent | 19.1:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.2% |
| Cap Rate | 3.4% |
| 5-Year IRR | 1.1% |
📈 Home Appreciation
| 1-Year | +1.2% ▲ |
| 3-Year CAGR | -2.6% ▼ |
| 5-Year CAGR | -2.3% ▼ |
| 10-Year CAGR | N/A |
🏠 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 (3.4%). 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 95248
Population: 66
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
Frequently Asked Questions
Is Mokelumne Hill, CA a smart market for rental property?
With a 2.0/5 investability score, Mokelumne Hill, CA ranks as a solid market for rental property investors. Median prices of $318K and rents of $1,386/mo drive the underlying numbers.
What do landlords charge for rent in Mokelumne Hill, CA?
Expect rents around $1,386/mo per month in Mokelumne Hill, CA. With home values at $318K, the yield math works out to reasonable levels for rental investors.
What are home prices like in Mokelumne Hill, CA?
Median home price in Mokelumne Hill, CA is near $318K, with a 5-year CAGR of 0.0%. Prices have been consistent and supportive of buy-and-hold strategies.
Are there empty rentals in Mokelumne Hill, CA?
Mokelumne Hill, CA sees elevated vacancy, which is reasonable relative to the broader CA rental market.
What approach is best for Mokelumne Hill, CA real estate?
The best-fit strategy in Mokelumne Hill, CA is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.
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