Real Estate Investing in Fort Bragg, California (95437)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 95437 (Fort Bragg, CA)? Our answer, based on the numbers below.
Multiple negative signals. Better options likely exist nearby.
Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.
- High vacancy: 17.4% of homes vacant — above national norms.
- Declining values: -2.8% 5-year CAGR — values have moved lower.
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
- High price-to-rent: Price-to-rent ratio 30.6 — hard to cash-flow at these prices.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Fort Bragg, CA (95437)?
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Market Analysis: 95437 Fort Bragg
Looking more closely, ZIP 95437 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $561K median. It rewards specialists, not generalists.
The investment case in 95437 is robust only for operators who understand what they are buying. A $561K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.
On the rental side, 95437 offers a low basis, the region around Fort Bragg has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.
Who lives in 95437 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.
New investors are better served looking at Fort Bragg's stable or hybrid ZIPs before stepping into 95437. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Fort Bragg:
Market Trends
Home Value History (with trend line)
📊 How Does 95437 Compare?
| Metric | 95437 | Fort Bragg | Ukiah, CA | California |
|---|---|---|---|---|
| Home Value | $561,458 | $561,458 | N/A | $761,003 |
| 5-Year CAGR | N/A | N/A | N/A | 5.7% |
| Avg Rent | $1,530 | $1,530 | N/A | - |
| Cap Rate | 2.1% | 2.1% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 95437 (Fort Bragg, CA). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $561,458 |
| Monthly Rent | $1,530 |
| Price-to-Rent | 30.6:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.3% |
| Cap Rate | 2.1% |
| 5-Year IRR | N/A |
📈 Home Appreciation
| 1-Year | +0.1% ▲ |
| 3-Year CAGR | -2.9% ▼ |
| 5-Year CAGR | -2.8% ▼ |
| 10-Year CAGR | +2.9% ▲ |
🏠 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 (2.1%). 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 95437
Population: 15,106
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 95437
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.
Frequently Asked Questions
What kind of tenants rent in Fort Bragg, CA?
The tenant pool in Fort Bragg, CA is solid, supported by local employment and population fundamentals. Rents of $1,530/mo are well-absorbed by the market.
Is real estate in Fort Bragg, CA a good investment right now?
Fort Bragg, CA stands at an investability rating of 2.0/5, with median home values near $561K and average rents around $1,530/mo. That combination puts it in the impressive tier for investor interest.
Are landlord laws favorable in Fort Bragg, CA?
CA ranks as a tenant-protective state for landlord-tenant law. Fort Bragg generally follows the statewide framework, so landlords face reasonable operating rules.
Can I live-in-and-rent in Fort Bragg, CA?
House hacking in Fort Bragg, CA is reasonable to execute. Prices around $561K and rents of $1,530/mo solid owner-occupant economics.
What price range are homes in Fort Bragg, CA?
Typical homes in Fort Bragg, CA go for around $561K. The 5-year CAGR of 0.0% predictable price movement.
You know 95437 now. You don’t know where it ranks.
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