Real Estate Investing in Turlock, California (95380)

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

Stanislaus County • Population: 43,731 • Data updated: September 2026

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Should you buy in 95380 (Turlock, CA)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (54/100)

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

📈 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.

What’s happening in Turlock, CA (95380)?

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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 $449,025
Avg Monthly Rent $1,794
1% Rule ✗ Does Not Meet
Median Income $63,548
% Renters 51.3%

Market Analysis: 95380 Turlock

The 95380 ZIP in Turlock, CA is a local-operator market. Outside capital chasing a $449K entry has to pair deep knowledge with the discount.

From an investor standpoint, the numbers look inviting — $449K purchase price, 0.0% nominal cap — the work to hit that pro forma in 95380 is substantial and deserves full respect.

Nearby ZIPs in Turlock have seen price recovery that 95380 has not matched. Stanislaus County data supports the view that the spread is structural rather than temporary.

Demographically, 95380 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.

New investors are better served looking at Turlock's stable or hybrid ZIPs before stepping into 95380. The learning curve here is expensive when the lesson is wrong.

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 Turlock:

C Below Average
Buy Confidence Score: 55/100
Affordability
5/25
Appreciation
14/25
Stability
13/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 7.1× the median income
Value Trend
Stable (+1.7%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,794/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
⚖️
BALANCED MARKET
Modesto, CA Metro Area
Even conditions for buyers and sellers
38 days
Average time to sell
Average
9.0%
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 Modesto, CA metro data
🏠

Property Strategy for 95380

Which property type performs best in this market?

Best for Cash Flow
3BR
3.7% cap rate
Best for Appreciation
5BR
+5.4% 5yr CAGR
Best Overall Value
5BR
$122,131/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $322,472 $1,260 2.8% +4.8% $322,472
2BR $362,845 $1,630 3.2% +5.2% $181,422
3BR $439,437 $2,270 3.7% +5.4% $146,479
4BR $509,576 $2,630 3.7% +5.3% $127,394
5BR $610,653 +5.4% $122,131

Market Trends

Home Value History (with trend line)

$477K$403K$328K$254K$179K$104KJun 2006Jul 2016Jul 2026

Rent History (with trend line)

$1,870$1,804$1,738$1,672$1,607$1,541Jul 2022Jul 2024Jul 2026

📊 How Does 95380 Compare?

Metric 95380 Turlock Modesto, CA California
Home Value $449,025 $482,700 N/A $761,003
5-Year CAGR 2.5% 2.6% N/A 5.7%
Avg Rent $1,794 $2,122 N/A -
Cap Rate 3.1% 3.4% - -
💡 Why Invest in 95380? Click to expand

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

51% of households rent in this area, creating consistent tenant demand for landlords.

📊 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 95380 (Turlock, CA). Anonymous, moderated, never written by AI.

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Property managers serving Stanislaus County

Manage rentals here? List your business →

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Liberty Property Management offers services for Homeowners Associations, residential and commercial property management, and rental assistance in Stanislaus County and surrounding cities. summary from their website

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Valley Oak Property Management provides property management services in Modesto and Stanislaus County, including Ceres, Escalon, and Manteca. summary from their website

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Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.

Investability
Good
Cap Rate
3.1%
Low
5yr Growth
+2.5%
Slow

📉 Market Crash Risk Index

Based on Modesto, CA metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
38%
Days Pending
0/2
38 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $449,025
Monthly Rent $1,794
Price-to-Rent 20.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.8%
Cap Rate 3.1%
5-Year IRR 5.6%

📈 Home Appreciation

1-Year +1.7% ▲
3-Year CAGR +2.2% ▲
5-Year CAGR +2.5% ▲
10-Year CAGR +6.1% ▲

🏠 Rent Trends

1-Year -4.2% ▼
3-Year CAGR +1.8% ▲
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.1%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.1%). 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.

Vacancy
4.5%
Low risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+2.5%
Stable
Eviction process: Very Slow Rent control: Unfavorable

Demographics in 95380

Population: 43,731

💰 Median Household Income
$63,548
This area
$63,548
State
$94,164
USA
$74,580
🏠 Renter Occupied
51.3%
This area
51.3%
State
39.3%
USA
34.0%
💼 Unemployment Rate
6.2%
This area
6.2%
State
-16.6%
USA
3.7%
🎓 College Educated
17.1%
This area
17.1%
State
7.7%
USA
33.7%
👤 Median Age
32.3 years
This area
32.3 years
State
9.6 years
USA
38.9 years
🏚️ Vacancy Rate
4.5%
This area
4.5%
State
15.3%
USA
10.5%
👥 Population by Ethnicity
White 55.9%
Other/Mixed 39.7%
Hispanic/Latino 34.4%
Asian 3.1%
Black/African American 1.3%
👶 Under 18
27.2%
This area
27.2%
USA
22.0%
👴 65 and Over
12.2%
This area
12.2%
USA
17.3%
📊 Poverty Rate
13.4%
This area
13.4%
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 95380

C+ Avg School Grade
10 Schools
22.2:1 Avg Class Size
$16,874 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

Cunningham Elementary

📚 K – 06 School
👥
609 Students
👨‍🏫
21.0:1 Class Size
💰
$17,514 Per Student
B+ Above Average

Wakefield Elementary

📚 K – 06 School
👥
587 Students
👨‍🏫
21.7:1 Class Size
💰
$17,514 Per Student
B Good

Julien Elementary

📚 K – 06 School
👥
806 Students
👨‍🏫
23.0:1 Class Size
💰
$17,514 Per Student
B Good

Marvin A. Dutcher Middle

📚 06 – 08 Middle
👥
866 Students
👨‍🏫
23.7:1 Class Size
💰
$17,514 Per Student
B Good

Osborn Two-Way Immersion Academy

📚 K – 05 Elementary
👥
824 Students
👨‍🏫
24.2:1 Class Size
💰
$17,514 Per Student
B Good

Chatom Elementary

📚 K – 05 Elementary
👥
386 Students
👨‍🏫
22.7:1 Class Size
💰
$15,876 Per Student
C+ Average

Turlock High

📚 09 – 12 High School
👥
2,465 Students
👨‍🏫
20.7:1 Class Size
💰
$17,514 Per Student
C+ Average

Roselawn High

📚 09 – 12 High School
👥
194 Students
👨‍🏫
19.4:1 Class Size
💰
$17,514 Per Student
C Below Average

eCademy Charter at Crane

📚 K – 12 K-12 Charter
👥
147 Students
👨‍🏫
19.4:1 Class Size
D Needs Improvement

Fusion Charter

📚 07 – 12 High School Charter
👥
144 Students
👨‍🏫
26.4:1 Class Size
💰
$13,391 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

4 Nearby 10,818 Off-Campus Students
C
Adrian's Beauty College of Turlock
71 students · 1.4 mi
B
California State University-Stanislaus
9,841 students · 3.8 mi
C+
California Beauty School
73 students · 13.9 mi
C
Modesto Junior College
17,152 students · 14.5 mi

Investor Insight: With 10,818 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What is the average monthly rent in Turlock, CA?

Investors in Turlock, CA typically see rents near $1,794/mo per month against $449K home values - a solid setup for rental cash flow.

Are there empty rentals in Turlock, CA?

Vacancy risk in Turlock, CA is elevated. That supports reliable cash flow for typical rental holds.

Is Turlock, CA a smart market for rental property?

Yes - Turlock, CA a 3.0/5 investability score. With $449K home prices against $1,794/mo monthly rent, the market delivers a reasonable entry point for new investors.

Does house hacking work in Turlock, CA?

For house hackers, Turlock, CA is a challenging. The $1,794/mo rent on a unit helps defray the mortgage on a $449K property.

Does Turlock, CA favor landlords or tenants?

For rental operators, Turlock, CA rates as tenant-protective. The regulatory environment standard buy-and-hold operations.

You know 95380 now. You don’t know where it ranks.

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How 95380 ranks in Modesto, CA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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