Real Estate Investing in Cool, California (95614)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 95614 (Cool, CA)? Our answer, based on the numbers below.
Mixed — values have been flat. OK for long-horizon buyers, less attractive if you may need to sell soon.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
- Flat appreciation: Values have barely moved over 5 years (0.9% CAGR).
- 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 Cool, CA (95614)?
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Market Analysis: 95614 Cool
ZIP 95614 in Cool, CA carries a resilient set of headwinds. Home values near $531K and rents of $2,835/mo sit inside a market where underwriting has to be tight.
Put differently, the numbers look inviting — $531K purchase price, 0.0% nominal cap — the work to hit that pro forma in 95614 is substantial and deserves full respect.
Within CA, ZIP 95614 trails on several market indicators that neighboring El Dorado County submarkets outperform. The gap is real and significant enough to shape underwriting.
The 95614 ZIP's population of 4,504 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 95614 is an operator game, not a passive one. Turning to rents, entry prices of $531K are inviting, the management lift is real and non-optional.
Here's what matters if you're considering buying a home in Cool:
Property Strategy for 95614
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $447,158 | $3,150 | 5.1% | +3.2% | $223,579 |
| 3BR | $514,427 | $4,190 | 5.9% | +4.0% | $171,476 |
| 4BR | $633,888 | $4,830 | 5.5% | +4.2% | $158,472 |
Market Trends
Home Value History (with trend line)
📊 How Does 95614 Compare?
| Metric | 95614 | Cool | Sacramento-Roseville-Folsom, CA | California |
|---|---|---|---|---|
| Home Value | $530,572 | $530,572 | N/A | $761,003 |
| 5-Year CAGR | 0.9% | 0.9% | N/A | 5.7% |
| Avg Rent | $2,835 | $2,835 | N/A | - |
| Cap Rate | 4.2% | 4.2% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 95614 (Cool, CA). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $530,572 |
| Monthly Rent | $2,835 |
| Price-to-Rent | 15.6:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.4% |
| Cap Rate | 4.2% |
| 5-Year IRR | 5.0% |
📈 Home Appreciation
| 1-Year | +1.3% ▲ |
| 3-Year CAGR | +0.4% ▲ |
| 5-Year CAGR | +0.9% ▲ |
| 10-Year CAGR | +4.2% ▲ |
🏠 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 (4.2%). 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 95614
Population: 4,504
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 95614
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.
🎓 Nearby Colleges & Universities
Investor Insight: With 3,745 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
How much does a house cost in Cool, CA?
Expect median prices around $531K in Cool, CA. The market has run at a 0.0% 5-year CAGR, so entry costs have been steady.
Where do rents currently stand in Cool, CA?
Rental rates in Cool, CA average $2,835/mo. Tenant demand and $531K home values make the yield look reasonable by investor standards.
What type of investing works in Cool, CA?
The best-fit strategy in Cool, CA is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.
Does Cool, CA favor landlords or tenants?
The landlord environment in Cool, CA is tenant-protective. Statewide rules shape most day-to-day operations for rental owners.
Does house hacking work in Cool, CA?
Cool, CA is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $531K price point reasonable to enter.
You know 95614 now. You don’t know where it ranks.
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How 95614 ranks in Sacramento-Roseville-Folsom, CA
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