Real Estate Investing in Tuolumne, California (95379)

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

Tuolumne County • Population: 3,821 • Data updated: September 2026

☆ Watch this market Free account

Should you buy in 95379 (Tuolumne, CA)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (48/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 For Investors
WEAK
2.0 / 5 (33/100)

Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.

⚠️ Risks to Know
2 flags
  • Elevated vacancy: 8.3% vacancy may signal weakening demand.
  • 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 Tuolumne, CA (95379)?

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2.0/ 5

Investability

Overall investment appeal

1.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $351,913
Avg Monthly Rent $1,674
1% Rule ✗ Does Not Meet
Median Income $69,553
% Renters 16.7%

Market Analysis: 95379 Tuolumne

On balance, ZIP 95379 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $352K median. It rewards specialists, not generalists.

For an experienced owner, 95379 can be a a solid fit for hunting ground — but the discount at $352K reflects genuine risk that outside investors often underestimate.

The gap between 95379 and stronger Tuolumne ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

Employment concentration in 95379 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.

trends toward 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.

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 Tuolumne:

C Below Average
Buy Confidence Score: 52/100
Affordability
10/25
Appreciation
14/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.1× the median income
Value Trend
Rising (+3.2%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,674/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
Sonora, CA Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
7.8%
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 Sonora, CA metro data
🏠

Property Strategy for 95379

Which property type performs best in this market?

Best for Cash Flow
3BR
4.8% cap rate
Best Overall Value
3BR
$121,578/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $279,611 $1,860 4.8% $139,805
3BR $364,735 $2,440 4.8% $121,578

Market Trends

Home Value History (with trend line)

$375K$358K$342K$326K$310K$294KFeb 2021Nov 2023Jul 2026

📊 How Does 95379 Compare?

Metric 95379 Tuolumne Sonora, CA California
Home Value $351,913 $351,913 N/A $761,003
5-Year CAGR 1.7% 1.7% N/A 5.7%
Avg Rent $1,674 $1,674 N/A -
Cap Rate 3.7% 3.7% - -
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 95379 (Tuolumne, CA). Anonymous, moderated, never written by AI.

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Investability
Fair
Cap Rate
3.7%
Low
5yr Growth
+1.7%
Slow

📉 Market Crash Risk Index

Based on Sonora, CA metro

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

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $351,913
Monthly Rent $1,674
Price-to-Rent 17.5:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.7%
Cap Rate 3.7%
5-Year IRR 5.4%

📈 Home Appreciation

1-Year +3.2% ▲
3-Year CAGR +0.2% ▲
5-Year CAGR +1.7% ▲
10-Year CAGR N/A

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.7%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.7%). 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
8.3%
Moderate risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+1.7%
Flat
Eviction process: Very Slow Rent control: Unfavorable

Demographics in 95379

Population: 3,821

💰 Median Household Income
$69,553
This area
$69,553
State
$94,164
USA
$74,580
🏠 Renter Occupied
16.7%
This area
16.7%
State
39.3%
USA
34.0%
💼 Unemployment Rate
1.3%
This area
1.3%
State
-16.6%
USA
3.7%
🎓 College Educated
21.6%
This area
21.6%
State
7.7%
USA
33.7%
👤 Median Age
50.6 years
This area
50.6 years
State
9.6 years
USA
38.9 years
🏚️ Vacancy Rate
8.3%
This area
8.3%
State
15.3%
USA
10.5%
👥 Population by Ethnicity
White 81.7%
Other/Mixed 14.2%
Hispanic/Latino 3.7%
Asian 2.9%
Black/African American 1.2%
👶 Under 18
20.9%
This area
20.9%
USA
22.0%
👴 65 and Over
28.2%
This area
28.2%
USA
17.3%
📊 Poverty Rate
0.8%
This area
0.8%
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 95379

B Avg School Grade
3 Schools
21.0:1 Avg Class Size
$16,982 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

Connections Visual and Performing Arts Academy

📚 07 – 12 High School Charter
👥
139 Students
👨‍🏫
15.3:1 Class Size
💰
$18,536 Per Student
B Good

Summerville Elementary

📚 K – 08 School
👥
458 Students
👨‍🏫
21.3:1 Class Size
💰
$13,873 Per Student
C+ Average

Summerville High

📚 09 – 12 High School
👥
486 Students
👨‍🏫
26.2:1 Class Size
💰
$18,536 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

1 Nearby 1,387 Off-Campus Students
C
Columbia College
2,594 students · 10.5 mi

Investor Insight: With 1,387 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

How landlord-friendly is Tuolumne, CA?

CA ranks as a tenant-protective state for landlord-tenant law. Tuolumne generally follows the statewide framework, so landlords face reasonable operating rules.

What is the typical renter like in Tuolumne, CA?

The renter base in Tuolumne, CA is reasonable for the $1,674/mo price point. Screening well and pricing to market typically yields reliable tenants.

What price range are homes in Tuolumne, CA?

Homes in Tuolumne, CA typically sell near $352K. Prices have moved at a 0.0% 5-year CAGR, which consistent long-term demand.

What is the rental occupancy rate in Tuolumne, CA?

Expect elevated vacancy in Tuolumne, CA. Rents at $1,674/mo are absorbed by the tenant base without meaningful lag.

Can owner-occupants cash flow in Tuolumne, CA?

House hacking in Tuolumne, CA is a challenging. With home values around $352K and rents at $1,674/mo, owner-occupants can offset a meaningful share of PITI.

You know 95379 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 95379 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 95379 ranks in Sonora, CA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation →
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