Real Estate Investing in Carlotta, California (95528)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 95528 (Carlotta, 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: 14.6% of homes vacant — above national norms.
- Declining values: -8.8% 5-year CAGR — values have moved lower.
- 1-year downturn: Values declined 4.2% 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 Carlotta, CA (95528)?
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Market Analysis: 95528 Carlotta
Not every below-median market is a bargain. Carlotta's 95528 ZIP reports signals that favor experienced operators who can absorb the risk $348K pricing implies.
If the plan assumes clean turnover, on-time rent, and low maintenance on a $348K asset, 95528 is the wrong submarket. If the plan prices in friction, the yield can still work.
Statewide comparisons place 95528 among CA's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.
The 95528 ZIP's population of 1,415 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that registers the need for careful underwriting.
Strategy in 95528 is an operator game, not a passive one. In practical terms, entry prices of $348K are inviting, the management lift is real and non-optional.
Here's what matters if you're considering buying a home in Carlotta:
Market Trends
Home Value History (with trend line)
📊 How Does 95528 Compare?
| Metric | 95528 | Carlotta | Eureka-Arcata, CA | California |
|---|---|---|---|---|
| Home Value | $347,758 | $347,758 | N/A | $761,003 |
| 5-Year CAGR | N/A | N/A | N/A | 5.7% |
| Avg Rent | $1,395 | $1,395 | N/A | - |
| Cap Rate | 3.1% | 3.1% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 95528 (Carlotta, CA). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $347,758 |
| Monthly Rent | $1,395 |
| Price-to-Rent | 20.8:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.8% |
| Cap Rate | 3.1% |
| 5-Year IRR | N/A |
📈 Home Appreciation
| 1-Year | -4.2% ▼ |
| 3-Year CAGR | -10.9% ▼ |
| 5-Year CAGR | -8.8% ▼ |
| 10-Year CAGR | -1.9% ▼ |
🏠 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 (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.
Demographics in 95528
Population: 1,415
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 95528
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 is the typical home price in Carlotta, CA?
The median home value in Carlotta, CA is roughly $348K. That puts it reasonable relative to the CA statewide average.
How do experienced investors play Carlotta, CA?
For Carlotta, CA, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.
How much is rent in Carlotta, CA?
Average rent in Carlotta, CA is approximately $1,395/mo per month. Against $348K home values that yields a reasonable rent-to-price ratio.
Is real estate in Carlotta, CA a good investment right now?
Our data puts Carlotta, CA at 2.0/5 for investability. Home prices of $348K and rents around $1,395/mo create a solid backdrop for investor activity.
How strong is the working-renter base in Carlotta, CA?
Carlotta, CA offers a even-keeled renter base at the $1,395/mo rent level. Tenant turnover is reasonable for well-managed properties.
You know 95528 now. You don’t know where it ranks.
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How 95528 ranks in Eureka-Arcata, CA
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