Real Estate Investing in Kneeland, California (95549)

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

Humboldt County • Population: 1,090 • Data updated: September 2026

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Should you buy in 95549 (Kneeland, 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
6 flags
  • Declining values: -7.3% 5-year CAGR — values have moved lower.
  • Elevated vacancy: 10.1% vacancy may signal weakening demand.
  • 1-year downturn: Values declined 5.4% in the last year.
  • 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 Kneeland, CA (95549)?

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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 $549,678
Avg Monthly Rent $1,431
1% Rule ✗ Does Not Meet
Median Income $81,554
% Renters 21.0%

Market Analysis: 95549 Kneeland

This part of Humboldt County is not an easy win. The 95549 ZIP reflects softness in key indicators, and the playbook that works in cleaner markets often stalls here.

The investment case in 95549 is healthy only for operators who understand what they are buying. A $550K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

Looking more closely, 95549 offers a low basis, the region around Kneeland has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.

The 95549 ZIP's population of 1,090 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that sits at the need for careful underwriting.

Experienced landlords with local relationships tend to find 95549 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.

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 Kneeland:

D Needs Caution
Buy Confidence Score: 35/100
Affordability
5/25
Appreciation
0/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 6.7× the median income
Value Trend
Declining (-5.4%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,431/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
Eureka-Arcata, CA Metro Area
Even conditions for buyers and sellers
45 days
Average time to sell
Average
8.7%
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 Eureka-Arcata, CA metro data

Market Trends

Home Value History (with trend line)

$868K$799K$731K$663K$594K$526KFeb 2018May 2022Jul 2026

📊 How Does 95549 Compare?

Metric 95549 Kneeland Eureka-Arcata, CA California
Home Value $549,678 $549,678 N/A $761,003
5-Year CAGR N/A N/A N/A 5.7%
Avg Rent $1,431 $1,431 N/A -
Cap Rate 2.0% 2.0% - -
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 95549 (Kneeland, CA). Anonymous, moderated, never written by AI.

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Investability
Fair
Cap Rate
2.0%
Low
5yr Growth
-7.3%
Declining

📊 Market Snapshot

Home Value $549,678
Monthly Rent $1,431
Price-to-Rent 32.0:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.1%
Cap Rate 2.0%
5-Year IRR N/A

📈 Home Appreciation

1-Year -5.4% ▼
3-Year CAGR -9.7% ▼
5-Year CAGR -7.3% ▼
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: 2.0%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.0%). 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
10.1%
Moderate risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
-7.3%
Declining
Eviction process: Very Slow Rent control: Unfavorable

Demographics in 95549

Population: 1,090

💰 Median Household Income
$81,554
This area
$81,554
State
$94,164
USA
$74,580
🏠 Renter Occupied
21.0%
This area
21.0%
State
39.3%
USA
34.0%
💼 Unemployment Rate
7.6%
This area
7.6%
State
-16.6%
USA
3.7%
🎓 College Educated
39.3%
This area
39.3%
State
7.7%
USA
33.7%
👤 Median Age
36.1 years
This area
36.1 years
State
9.6 years
USA
38.9 years
🏚️ Vacancy Rate
10.1%
This area
10.1%
State
15.3%
USA
10.5%
👥 Population by Ethnicity
White 85.0%
Other/Mixed 13.6%
Asian 1.3%
Hispanic/Latino 0.6%
Black/African American 0.1%
👶 Under 18
23.7%
This area
23.7%
USA
22.0%
👴 65 and Over
13.9%
This area
13.9%
USA
17.3%
📊 Poverty Rate
2.4%
This area
2.4%
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 95549

B Avg School Grade
1 Schools
12.8:1 Avg Class Size
$15,700 Avg Per Pupil

Schools in This ZIP Code

B Good

Kneeland Elementary

📚 K – 08 School
👥
28 Students
👨‍🏫
12.8:1 Class Size
💰
$15,700 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 Kneeland, CA a smart market for rental property?

Kneeland, CA rates 2.0/5 for investability. With median values at $550K and rents near $1,431/mo, the market offers reasonable fundamentals for rental investors.

How landlord-friendly is Kneeland, CA?

Kneeland, CA operates under CA law, which is tenant-protective overall for landlords. Expect even-keeled treatment in typical lease and eviction cases.

What do rentals go for in Kneeland, CA?

The typical rental in Kneeland, CA commands about $1,431/mo monthly. That rent profile reliable cash flow against the $550K purchase basis.

How viable is house hacking in Kneeland, CA?

For house hackers, Kneeland, CA is a challenging. The $1,431/mo rent on a unit helps defray the mortgage on a $550K property.

What kind of vacancy should I budget for in Kneeland, CA?

Vacancy in Kneeland, CA is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $1,431/mo.

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How 95549 ranks in Eureka-Arcata, CA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation →
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