Real Estate Investing in Mi Wuk Village, California (95346)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 95346 (Mi Wuk Village, CA)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
- High vacancy: 68.2% of homes vacant — above national norms.
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
- Higher unemployment: 7.8% unemployment — tenant risk signal.
• 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 Mi Wuk Village, CA (95346)?
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Market Analysis: 95346 Mi Wuk Village
Investors eyeing 95346 need to respect the fundamentals at play. Home values of $349K come alongside slower price movement and elevated management overhead.
The 95346 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
Statewide comparisons place 95346 among CA's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.
Who lives in 95346 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.
leans the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.
Here's what matters if you're considering buying a home in Mi Wuk Village:
Property Strategy for 95346
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $289,485 | $2,040 | 5.1% | — | $144,742 |
| 3BR | $356,007 | $2,670 | 5.4% | — | $118,669 |
| 4BR | $395,288 | $3,420 | 6.2% | — | $98,822 |
Market Trends
Home Value History (with trend line)
📊 How Does 95346 Compare?
| Metric | 95346 | Mi Wuk Village | Sonora, CA | California |
|---|---|---|---|---|
| Home Value | $348,935 | $348,935 | N/A | $761,003 |
| 5-Year CAGR | 2.0% | 2.0% | N/A | 5.7% |
| Avg Rent | $1,836 | $1,836 | N/A | - |
| Cap Rate | 4.1% | 4.1% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 95346 (Mi Wuk Village, CA). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $348,935 |
| Monthly Rent | $1,836 |
| Price-to-Rent | 15.8:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.3% |
| Cap Rate | 4.1% |
| 5-Year IRR | 6.1% |
📈 Home Appreciation
| 1-Year | +2.4% ▲ |
| 3-Year CAGR | -0.4% ▼ |
| 5-Year CAGR | +2.0% ▲ |
| 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 (4.1%). 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 95346
Population: 807
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
🎓 Nearby Colleges & Universities
Investor Insight: With 1,387 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
Does house hacking work in Mi Wuk Village, CA?
Mi Wuk Village, CA is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $349K price point reasonable to enter.
Are renters plentiful in Mi Wuk Village, CA?
Mi Wuk Village, CA offers a steady renter base at the $1,836/mo rent level. Tenant turnover is reasonable for well-managed properties.
Is CA a landlord-friendly state?
Rental owners in Mi Wuk Village, CA deal with a tenant-protective legal framework. Most standard eviction processes run on reasonable timelines.
How does Mi Wuk Village, CA stack up for property investment?
Our data puts Mi Wuk Village, CA at 3.0/5 for investability. Home prices of $349K and rents around $1,836/mo create a solid backdrop for investor activity.
How do home values compare in Mi Wuk Village, CA?
Expect median prices around $349K in Mi Wuk Village, CA. The market has run at a 0.0% 5-year CAGR, so entry costs have been reliable.
You know 95346 now. You don’t know where it ranks.
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How 95346 ranks in Sonora, CA
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