Real Estate Investing in Jackson, California (95642)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 95642 (Jackson, CA)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.
- Elevated vacancy: 9.8% vacancy may signal weakening demand.
- 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 Jackson, CA (95642)?
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Market Analysis: 95642 Jackson
Investors eyeing 95642 need to respect the fundamentals at play. Home values of $439K come alongside slower price movement and elevated management overhead.
The 95642 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
Nearby ZIPs in Jackson have seen price recovery that 95642 has not matched. Amador County data supports the view that the spread is structural rather than temporary.
Employment concentration in 95642 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.
The right play in 95642 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.
Here's what matters if you're considering buying a home in Jackson:
Property Strategy for 95642
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 1BR | $263,832 | $1,560 | 4.3% | +2.2% | $263,832 |
| 2BR | $341,333 | $1,900 | 4.0% | +3.0% | $170,666 |
| 3BR | $459,070 | $2,480 | 3.9% | +3.9% | $153,023 |
| 4BR | $543,760 | $3,040 | 4.0% | +3.7% | $135,940 |
Market Trends
Home Value History (with trend line)
📊 How Does 95642 Compare?
| Metric | 95642 | Jackson | California |
|---|---|---|---|
| Home Value | $439,344 | $439,344 | $761,003 |
| 5-Year CAGR | 0.9% | 0.9% | 5.7% |
| Avg Rent | $1,710 | $1,710 | - |
| Cap Rate | 3.0% | 3.0% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 95642 (Jackson, CA). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $439,344 |
| Monthly Rent | $1,710 |
| Price-to-Rent | 21.4:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.7% |
| Cap Rate | 3.0% |
| 5-Year IRR | 3.9% |
📈 Home Appreciation
| 1-Year | +0.2% ▲ |
| 3-Year CAGR | -0.3% ▼ |
| 5-Year CAGR | +0.9% ▲ |
| 10-Year CAGR | +3.9% ▲ |
🏠 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 (3.0%). 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.
Demographics in 95642
Population: 7,350
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 95642
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
How high is vacancy risk in Jackson, CA?
Vacancy in Jackson, CA is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $1,710/mo.
Does Jackson, CA favor landlords or tenants?
For rental operators, Jackson, CA rates as tenant-protective. The regulatory environment standard buy-and-hold operations.
Is Jackson, CA a good market for FHA house hackers?
House hacking in Jackson, CA is a challenging. With home values around $439K and rents at $1,710/mo, owner-occupants can offset a meaningful share of PITI.
What are rental rates like in Jackson, CA?
Jackson, CA rentals go for roughly $1,710/mo a month. That puts gross yield in solid territory relative to $439K acquisition costs.
What is the typical renter like in Jackson, CA?
The renter base in Jackson, CA is reasonable for the $1,710/mo price point. Screening well and pricing to market typically yields steady tenants.
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