Real Estate Investing in Crescent City, California (95531)

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

Del Norte County • Population: 22,491 • Data updated: September 2026

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Should you buy in 95531 (Crescent City, 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
MIXED
3.0 / 5 (52/100)

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
2 flags
  • Elevated vacancy: 11.7% vacancy may signal weakening demand.
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.

What’s happening in Crescent City, CA (95531)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $362,323
Avg Monthly Rent $1,975
1% Rule ✗ Does Not Meet
Median Income $60,365
% Renters 35.2%

Market Analysis: 95531 Crescent City

Not every below-median market is a bargain. Crescent City's 95531 ZIP reflects signals that favor experienced operators who can absorb the risk $362K pricing implies.

Stepping back, the numbers look inviting — $362K purchase price, 0.0% nominal cap — the work to hit that pro forma in 95531 is substantial and deserves full respect.

Regionally, 95531 sits on the difficult end of the CA spectrum. The a solid fit for read — for disciplined operators — is that pricing reflects the difficulty.

Who lives in 95531 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

The right play in 95531 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.

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 Crescent City:

C Below Average
Buy Confidence Score: 58/100
Affordability
10/25
Appreciation
14/25
Stability
13/20
Timing
6/15
Rental backup
15/15
Affordability
Expensive
Homes cost 6× the median income
Value Trend
Stable (+1.6%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,975/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
Crescent City, CA Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
7.0%
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 Crescent City, CA metro data

Market Trends

Home Value History (with trend line)

$388K$339K$291K$243K$195K$146KFeb 2007Nov 2016Jul 2026

Rent History (with trend line)

$2,012$1,905$1,797$1,690$1,583$1,476Feb 2026May 2026Jul 2026

📊 How Does 95531 Compare?

Metric 95531 Crescent City Crescent City, CA California
Home Value $362,323 $362,323 N/A $761,003
5-Year CAGR 2.7% 2.7% N/A 5.7%
Avg Rent $1,975 $1,975 N/A -
Cap Rate 4.3% 4.3% - -
💡 Why Invest in 95531? Click to expand

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

A healthy rental market with 35% renter-occupied households ensures tenant availability.

📊 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 95531 (Crescent City, CA). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.3%
Fair
5yr Growth
+2.7%
Slow

📉 Market Crash Risk Index

Based on Crescent City, 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 $362,323
Monthly Rent $1,975
Price-to-Rent 15.3:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.5%
Cap Rate 4.3%
5-Year IRR 6.9%

📈 Home Appreciation

1-Year +1.6% ▲
3-Year CAGR +0.7% ▲
5-Year CAGR +2.7% ▲
10-Year CAGR +5.7% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.3%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.3%). 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
11.7%
Moderate risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+2.7%
Stable
Eviction process: Very Slow Rent control: Unfavorable

Demographics in 95531

Population: 22,491

💰 Median Household Income
$60,365
This area
$60,365
State
$94,164
USA
$74,580
🏠 Renter Occupied
35.2%
This area
35.2%
State
39.3%
USA
34.0%
💼 Unemployment Rate
2.9%
This area
2.9%
State
-16.6%
USA
3.7%
🎓 College Educated
19.0%
This area
19.0%
State
7.7%
USA
33.7%
👤 Median Age
38.8 years
This area
38.8 years
State
9.6 years
USA
38.9 years
🏚️ Vacancy Rate
11.7%
This area
11.7%
State
15.3%
USA
10.5%
👥 Population by Ethnicity
White 69.2%
Other/Mixed 24.2%
Hispanic/Latino 12.8%
Asian 3.6%
Black/African American 3.1%
👶 Under 18
21.8%
This area
21.8%
USA
22.0%
👴 65 and Over
17.1%
This area
17.1%
USA
17.3%
📊 Poverty Rate
10.2%
This area
10.2%
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 95531

C+ Avg School Grade
12 Schools
20.2:1 Avg Class Size
$19,455 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

Castle Rock

📚 K – 12 K-12 Charter
👥
337 Students
👨‍🏫
21.3:1 Class Size
💰
$28,788 Per Student
B+ Above Average

Bess Maxwell Elementary

📚 K – 05 Elementary
👥
232 Students
👨‍🏫
17.3:1 Class Size
💰
$16,910 Per Student
B Good

Crescent Elk Middle

📚 06 – 08 Middle
👥
527 Students
👨‍🏫
18.9:1 Class Size
💰
$16,910 Per Student
B Good

Del Norte High

📚 09 – 12 High School
👥
923 Students
👨‍🏫
19.2:1 Class Size
💰
$16,910 Per Student
B Good

Joe Hamilton Elementary

📚 K – 05 Elementary
👥
292 Students
👨‍🏫
20.4:1 Class Size
💰
$16,910 Per Student
B Good

Del Norte Community

📚 K – 12 K-12
👥
31 Students
👨‍🏫
15.8:1 Class Size
💰
$28,788 Per Student
B Good

Redwood Elementary

📚 K – 08 School
👥
461 Students
👨‍🏫
22.7:1 Class Size
💰
$16,910 Per Student
C+ Average

Elk Creek

📚 07 – 12 High School Limited Data
💰
$28,788 Per Student
C+ Average

Pine Grove Elementary

📚 K – 05 Elementary
👥
260 Students
👨‍🏫
23.2:1 Class Size
💰
$16,910 Per Student
C+ Average

Sunset High

📚 09 – 12 High School
👥
101 Students
👨‍🏫
20.0:1 Class Size
💰
$16,910 Per Student
C Below Average

Del Norte County ROP

📚 09 – 12 High School Limited Data
C Below Average

Uncharted Shores Academy

📚 K – 09 High School Charter
👥
295 Students
👨‍🏫
22.8:1 Class Size
💰
$9,271 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.

Frequently Asked Questions

Is real estate in Crescent City, CA a good investment right now?

Our data puts Crescent City, CA at 3.0/5 for investability. Home prices of $362K and rents around $1,975/mo create a solid backdrop for investor activity.

How strong are rents in Crescent City, CA?

Rent in Crescent City, CA is around $1,975/mo. The resulting rent-to-value relationship with $362K pricing is reasonable for most investor models.

Is Crescent City, CA landlord-friendly?

Landlord-friendliness in Crescent City, CA is tenant-protective. Eviction timelines and lease enforcement are considered reasonable by most property managers.

What real estate strategy is ideal for Crescent City, CA?

The best-fit strategy in Crescent City, CA is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.

Can owner-occupants cash flow in Crescent City, CA?

The house hack math a challenging in Crescent City, CA. Owner-occupant buyers benefit from the $1,975/mo rents and $362K home values.

You know 95531 now. You don’t know where it ranks.

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