Real Estate Investing in Lathrop, California (95330)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 95330 (Lathrop, CA)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
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 (1.3% CAGR).
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
What’s happening in Lathrop, CA (95330)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 95330 Lathrop
ZIP 95330 inside San Joaquin County looks affordable on the surface — median value of $633K — but the discount exists for reasons that a careful buyer should understand before committing.
Rent of $3,067/mo on a $633K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 95330 sits below the stated 0.0% once reality is priced in.
ZIP 95330's metrics run below San Joaquin County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.
Who lives in 95330 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.
Experienced landlords with local relationships tend to find 95330 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 Lathrop:
Property Strategy for 95330
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $447,050 | $2,360 | 3.8% | +4.7% | $223,525 |
| 3BR | $542,197 | $3,280 | 4.4% | +5.6% | $180,732 |
| 4BR | $659,060 | $3,960 | 4.3% | +6.2% | $164,765 |
| 5BR | $762,860 | — | — | +6.7% | $152,572 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 95330 Compare?
| Metric | 95330 | Lathrop | Stockton, CA | California |
|---|---|---|---|---|
| Home Value | $633,149 | $633,149 | N/A | $761,003 |
| 5-Year CAGR | 1.3% | 1.3% | N/A | 5.7% |
| Avg Rent | $3,067 | $3,067 | N/A | - |
| Cap Rate | 3.8% | 3.8% | - | - |
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 95330 (Lathrop, CA). Anonymous, moderated, never written by AI.
Do you own or manage rentals in ZIP 95330 (Lathrop, CA)?
~25 seconds · no account needed · your report is anonymous
Property managers serving San Joaquin County
Manage rentals here? List your business →Ahrens Property Management is a full-service company managing residential rental properties for owners, including tenant screening, placement, repairs, and accounting in Lodi, CA. summary from their website
Serviceprop provides construction, maintenance, and janitorial services to customers in Southern California. 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 | $633,149 |
| Monthly Rent | $3,067 |
| Price-to-Rent | 17.2:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.8% |
| Cap Rate | 3.8% |
| 5-Year IRR | 5.1% |
📈 Home Appreciation
| 1-Year | -2.8% ▼ |
| 3-Year CAGR | +0.1% ▲ |
| 5-Year CAGR | +1.3% ▲ |
| 10-Year CAGR | +5.7% ▲ |
🏠 Rent Trends
| 1-Year | +2.3% ▲ |
| 3-Year CAGR | +3.0% ▲ |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.8%). 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 95330
Population: 33,015
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 95330
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 1,658 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
Is Lathrop, CA a good market for buy-and-hold investors?
Investors tracking Lathrop, CA will find a 2.0/5 rating supported by $633K median home values and $3,067/mo rents. That profile suits long-term holders targeting consistent returns.
What price range are homes in Lathrop, CA?
Median home price in Lathrop, CA is near $633K, with a 5-year CAGR of 0.0%. Prices have been steady and supportive of buy-and-hold strategies.
What is the smart move for investors in Lathrop, CA?
Most investors in Lathrop, CA run a careful cash-flow rentals with hands-on management strategy. It aligns with the 2.0/5 investability profile and the market fundamentals.
Is vacancy a concern in Lathrop, CA?
Expect elevated vacancy in Lathrop, CA. Rents at $3,067/mo are absorbed by the tenant base without meaningful lag.
How do landlord-tenant laws work in Lathrop, CA?
CA law tenant-protective for landlords, and Lathrop inherits those rules. Investors should still review local ordinances for rental licensing.
You know 95330 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 95330 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 95330 ranks in Stockton, CA
Every ZIP in this metro, ranked. Free.
AI Market Advisor
Ask questions about investing in 95330 (Lathrop)
Community Ratings
What people who’ve spent time here actually say. Not paid reviews.
Be the first to rate 95330 (Lathrop, CA).
It takes 30 seconds. No signup. Your rating helps everyone who comes here after you.