Real Estate Investing in Livingston, California (95334)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Merced County • Population: 17,198 • Data updated: September 2026

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Should you buy in 95334 (Livingston, CA)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (56/100)

Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • 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 Livingston, CA (95334)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $427,218
Avg Monthly Rent $1,449
1% Rule ✗ Does Not Meet
Median Income $71,273
% Renters 46.1%

Market Analysis: 95334 Livingston

ZIP 95334 inside Merced County looks affordable on the surface — median value of $427K — but the discount exists for reasons that a careful buyer should understand before committing.

Rent of $1,449/mo on a $427K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 95334 sits below the stated 0.0% once reality is priced in.

In the broader CA picture, 95334 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

A sturdy renter share of 46% in 95334 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.

Distressed ZIPs reward experience. substantial returns are possible in 95334, but they flow to investors who already understand how to operate in soft markets.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Livingston:

C Below Average
Buy Confidence Score: 56/100
Affordability
10/25
Appreciation
14/25
Stability
11/20
Timing
6/15
Rental backup
15/15
Affordability
Expensive
Homes cost 6× the median income
Value Trend
Stable (+0.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,449/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
☀️
WARM MARKET
Merced, CA Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
7.4%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Merced, CA metro data
🏠

Property Strategy for 95334

Which property type performs best in this market?

Best for Cash Flow
3BR
4.2% cap rate
Best for Appreciation
5BR
+6.6% 5yr CAGR
Best Overall Value
5BR
$109,859/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $314,706 $1,610 3.7% +4.8% $157,353
3BR $382,654 $2,210 4.2% +6.2% $127,551
4BR $468,429 $2,680 4.1% +6.5% $117,107
5BR $549,296 +6.6% $109,859

Market Trends

Home Value History (with trend line)

$460K$386K$313K$240K$166K$93KJul 2006Jul 2016Jul 2026

📊 How Does 95334 Compare?

Metric 95334 Livingston Merced, CA California
Home Value $427,218 $427,218 N/A $761,003
5-Year CAGR 2.9% 2.9% N/A 5.7%
Avg Rent $1,449 $1,449 N/A -
Cap Rate 2.7% 2.7% - -
💡 Why Invest in 95334? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

A healthy rental market with 46% renter-occupied households ensures tenant availability.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 95334 (Livingston, CA). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.7%
Low
5yr Growth
+2.9%
Slow

📉 Market Crash Risk Index

Based on Merced, CA metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
46%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $427,218
Monthly Rent $1,449
Price-to-Rent 24.6:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.1%
Cap Rate 2.7%
5-Year IRR 5.5%

📈 Home Appreciation

1-Year +0.0% ▲
3-Year CAGR +2.0% ▲
5-Year CAGR +2.9% ▲
10-Year CAGR +6.3% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.7%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

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.

Vacancy
5.5%
Low risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+2.9%
Stable
Eviction process: Very Slow Rent control: Unfavorable

Demographics in 95334

Population: 17,198

💰 Median Household Income
$71,273
This area
$71,273
State
$94,164
USA
$74,580
🏠 Renter Occupied
46.1%
This area
46.1%
State
39.3%
USA
34.0%
💼 Unemployment Rate
5.8%
This area
5.8%
State
-16.6%
USA
3.7%
🎓 College Educated
11.3%
This area
11.3%
State
7.7%
USA
33.7%
👤 Median Age
31.8 years
This area
31.8 years
State
9.6 years
USA
38.9 years
🏚️ Vacancy Rate
5.5%
This area
5.5%
State
15.3%
USA
10.5%
👥 Population by Ethnicity
Other/Mixed 56.0%
Hispanic/Latino 54.0%
White 24.3%
Asian 19.6%
Black/African American 0.1%
👶 Under 18
29.5%
This area
29.5%
USA
22.0%
👴 65 and Over
10.2%
This area
10.2%
USA
17.3%
📊 Poverty Rate
15.7%
This area
15.7%
USA
11.5%

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 95334

B Avg School Grade
7 Schools
19.4:1 Avg Class Size
$28,533 Avg Per Pupil

Schools in This ZIP Code

A Very Good

Floyd A. Schelby

📚 K – 12 K-12
👥
84 Students
👨‍🏫
10.5:1 Class Size
💰
$103,029 Per Student
B Good

Campus Park Elementary

📚 K – 05 Elementary
👥
459 Students
👨‍🏫
19.1:1 Class Size
💰
$15,806 Per Student
B Good

Selma Herndon Elementary

📚 K – 05 Elementary
👥
624 Students
👨‍🏫
21.5:1 Class Size
💰
$15,806 Per Student
B Good

Yamato Colony Elementary

📚 K – 05 Elementary
👥
620 Students
👨‍🏫
21.4:1 Class Size
💰
$15,806 Per Student
B Good

Livingston High

📚 09 – 12 High School
👥
1,141 Students
👨‍🏫
19.6:1 Class Size
💰
$17,670 Per Student
C+ Average

Livingston Middle

📚 06 – 08 Middle
👥
842 Students
👨‍🏫
24.1:1 Class Size
💰
$15,806 Per Student
C+ Average

Livingston Stepping Stones Preschool

📚 Grade M Elementary Limited Data
💰
$15,806 Per Student
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

5 Nearby 5,753 Off-Campus Students
C
Adrian's Beauty College of Turlock
71 students · 11.9 mi
B
California State University-Stanislaus
9,841 students · 13.6 mi
C+
Sierra College of Beauty
245 students · 14.0 mi
C
Milan Institute-Merced
308 students · 14.7 mi
C
Merced College
11,835 students · 14.8 mi

Investor Insight: With 5,753 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What investment strategy works best in Livingston, CA?

Investors usually favor careful cash-flow rentals with hands-on management in Livingston, CA. With home values at $427K and rents near $1,449/mo, other strategies can work but produce measured rather than outsized returns.

How deep is the rental pool in Livingston, CA?

Livingston, CA draws a predictable base of working renters. Demand at the $1,449/mo rent level is reasonable for standard single-family and small multi rentals.

What is the average monthly rent in Livingston, CA?

Investors in Livingston, CA typically see rents near $1,449/mo per month against $427K home values - a solid setup for rental cash flow.

Is Livingston, CA a good place for real estate investing?

With a 3.0/5 investability score, Livingston, CA ranks as a solid market for rental property investors. Median prices of $427K and rents of $1,449/mo drive the underlying numbers.

How do landlord-tenant laws work in Livingston, CA?

Landlord-friendliness in Livingston, CA is tenant-protective. Eviction timelines and lease enforcement are considered reasonable by most property managers.

You know 95334 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 95334 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.

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How 95334 ranks in Merced, CA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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