Real Estate Investing in Redwood Valley, California (95470)

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

Mendocino County • Population: 6,122 • Data updated: September 2026

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Should you buy in 95470 (Redwood Valley, CA)? Our answer, based on the numbers below.

🏠 For Homebuyers
WEAK FIT
Grade F (26/100)

Multiple negative signals. Better options likely exist nearby.

📈 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
5 flags
  • Declining values: -4.5% 5-year CAGR — values have moved lower.
  • Elevated vacancy: 11.0% vacancy may signal weakening demand.
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
  • Elevated poverty: 23.0% poverty rate — can affect rent collection.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Redwood Valley, CA (95470)?

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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 $542,659
Avg Monthly Rent $1,629
1% Rule ✗ Does Not Meet
Median Income $74,514
% Renters 32.4%

Market Analysis: 95470 Redwood Valley

ZIP 95470 in Redwood Valley, CA carries a robust set of headwinds. Home values near $543K and rents of $1,629/mo sit inside a market where underwriting has to be tight.

For an experienced owner, 95470 can be a a solid fit for hunting ground — but the discount at $543K reflects genuine risk that outside investors often underestimate.

Within CA, ZIP 95470 trails on several market indicators that neighboring Mendocino County submarkets outperform. The gap is real and substantial enough to shape underwriting.

Meanwhile, 6,122 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.

Strategically, 95470 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.

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 Redwood Valley:

D Needs Caution
Buy Confidence Score: 35/100
Affordability
5/25
Appreciation
0/25
Stability
9/20
Timing
6/15
Rental backup
15/15
Affordability
Expensive
Homes cost 7.3× the median income
Value Trend
Declining (-1.9%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,629/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
Ukiah, CA Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
7.3%
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 Ukiah, CA metro data

Market Trends

Home Value History (with trend line)

$722K$641K$561K$480K$399K$319KJul 2006Jul 2016Jul 2026

📊 How Does 95470 Compare?

Metric 95470 Redwood Valley Ukiah, CA California
Home Value $542,659 $542,659 N/A $761,003
5-Year CAGR N/A N/A N/A 5.7%
Avg Rent $1,629 $1,629 N/A -
Cap Rate 2.3% 2.3% - -
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 95470 (Redwood Valley, CA). Anonymous, moderated, never written by AI.

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Investability
Fair
Cap Rate
2.3%
Low
5yr Growth
-4.5%
Declining

📉 Market Crash Risk Index

Based on Ukiah, CA metro

2/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
2/3
62%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $542,659
Monthly Rent $1,629
Price-to-Rent 27.8:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.6%
Cap Rate 2.3%
5-Year IRR N/A

📈 Home Appreciation

1-Year -1.9% ▼
3-Year CAGR -3.9% ▼
5-Year CAGR -4.5% ▼
10-Year CAGR +1.0% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.3%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.3%). 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
11.0%
Moderate risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
-4.5%
Declining
Eviction process: Very Slow Rent control: Unfavorable

Demographics in 95470

Population: 6,122

💰 Median Household Income
$74,514
This area
$74,514
State
$94,164
USA
$74,580
🏠 Renter Occupied
32.4%
This area
32.4%
State
39.3%
USA
34.0%
💼 Unemployment Rate
4.7%
This area
4.7%
State
-16.6%
USA
3.7%
🎓 College Educated
14.5%
This area
14.5%
State
7.7%
USA
33.7%
👤 Median Age
38.3 years
This area
38.3 years
State
9.6 years
USA
38.9 years
🏚️ Vacancy Rate
11.0%
This area
11.0%
State
15.3%
USA
10.5%
👥 Population by Ethnicity
White 73.1%
Other/Mixed 26.6%
Hispanic/Latino 17.1%
Black/African American 0.3%
👶 Under 18
22.7%
This area
22.7%
USA
22.0%
👴 65 and Over
15.9%
This area
15.9%
USA
17.3%
📊 Poverty Rate
23.0%
This area
23.0%
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 95470

A Avg School Grade
1 Schools
18.5:1 Avg Class Size
$20,488 Avg Per Pupil

Schools in This ZIP Code

A Very Good

Eagle Peak Middle

📚 05 – 08 School
👥
536 Students
👨‍🏫
18.5:1 Class Size
💰
$20,488 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

3 Nearby 1,995 Off-Campus Students
C
Mendocino College
4,032 students · 7.7 mi
D
Ukiah Adult School
32 students · 9.7 mi
D
Dharma Realm Buddhist University
0 students · 12.1 mi

Investor Insight: With 1,995 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Do rentals sit vacant long in Redwood Valley, CA?

Occupancy in Redwood Valley, CA runs consistent with elevated vacancy. Well-priced units at $1,629/mo lease on reasonable timelines.

How strong is tenant demand in Redwood Valley, CA?

Expect a solid tenant pool in Redwood Valley, CA. The rental market absorbs $1,629/mo rents without meaningful friction.

How should investors approach Redwood Valley, CA?

Investors usually favor careful cash-flow rentals with hands-on management in Redwood Valley, CA. With home values at $543K and rents near $1,629/mo, other strategies can work but produce measured rather than outsized returns.

Does house hacking work in Redwood Valley, CA?

The a challenging house-hack environment in Redwood Valley, CA reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.

Is housing expensive in Redwood Valley, CA?

Typical homes in Redwood Valley, CA go for around $543K. The 5-year CAGR of 0.0% reliable price movement.

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How 95470 ranks in Ukiah, CA

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