Real Estate Investing in Pilot Hill, California (95664)

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

El Dorado County • Population: 1,261 • Data updated: September 2026

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Should you buy in 95664 (Pilot Hill, CA)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (42/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 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
2 flags
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
  • High price-to-rent: Price-to-rent ratio 33.5 — hard to cash-flow at these prices.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Pilot Hill, CA (95664)?

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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 $679,416
Avg Monthly Rent $1,692
1% Rule ✗ Does Not Meet
Median Income $84,333
% Renters 16.3%

Market Analysis: 95664 Pilot Hill

Not every below-median market is a bargain. Pilot Hill's 95664 ZIP posts signals that favor experienced operators who can absorb the risk $679K pricing implies.

Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 95664 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.

Regionally, 95664 sits on the difficult end of the CA spectrum. The a viable market for read — for disciplined operators — is that pricing reflects the difficulty.

A resilient renter share of 16% in 95664 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.

The 95664 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.

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 Pilot Hill:

D Needs Caution
Buy Confidence Score: 46/100
Affordability
0/25
Appreciation
14/25
Stability
7/20
Timing
10/15
Rental backup
15/15
Affordability
Expensive
Homes cost 8.1× the median income
Value Trend
Rising (+3.9%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,692/mo if you need to move
Market Conditions
COOL
More inventory, negotiating room for buyers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
❄️
COOL MARKET
Sacramento-Roseville-Folsom, CA Metro Area
More inventory, negotiating room for buyers
46 days
Average time to sell
Average
10.9%
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 Sacramento-Roseville-Folsom, CA metro data

Market Trends

Home Value History (with trend line)

$732K$634K$535K$437K$338K$240KJul 2006Jul 2016Jul 2026

📊 How Does 95664 Compare?

Metric 95664 Pilot Hill Sacramento-Roseville-Folsom, CA California
Home Value $679,416 $679,416 N/A $761,003
5-Year CAGR 1.9% 1.9% N/A 5.7%
Avg Rent $1,692 $1,692 N/A -
Cap Rate 1.9% 1.9% - -
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 95664 (Pilot Hill, CA). Anonymous, moderated, never written by AI.

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Investability
Fair
Cap Rate
1.9%
Low
5yr Growth
+1.9%
Slow

📊 Market Snapshot

Home Value $679,416
Monthly Rent $1,692
Price-to-Rent 33.5:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.0%
Cap Rate 1.9%
5-Year IRR 3.8%

📈 Home Appreciation

1-Year +3.9% ▲
3-Year CAGR +1.8% ▲
5-Year CAGR +1.9% ▲
10-Year CAGR +4.6% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 1.9%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (1.9%). 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
6.5%
Low risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+1.9%
Flat
Eviction process: Very Slow Rent control: Unfavorable

Demographics in 95664

Population: 1,261

💰 Median Household Income
$84,333
This area
$84,333
State
$94,164
USA
$74,580
🏠 Renter Occupied
16.3%
This area
16.3%
State
39.3%
USA
34.0%
💼 Unemployment Rate
0.0%
This area
0.0%
State
-16.6%
USA
3.7%
🎓 College Educated
34.9%
This area
34.9%
State
7.7%
USA
33.7%
👤 Median Age
61.6 years
This area
61.6 years
State
9.6 years
USA
38.9 years
🏚️ Vacancy Rate
6.5%
This area
6.5%
State
15.3%
USA
10.5%
👥 Population by Ethnicity
White 78.6%
Other/Mixed 8.9%
Black/African American 8.6%
Hispanic/Latino 4.6%
Asian 3.9%
👶 Under 18
14.7%
This area
14.7%
USA
22.0%
👴 65 and Over
32.1%
This area
32.1%
USA
17.3%
📊 Poverty Rate
3.5%
This area
3.5%
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

🎓 Nearby Colleges & Universities

8 Nearby 5,706 Off-Campus Students
C+
Sierra College
17,420 students · 8.6 mi
C
Folsom Lake College
10,214 students · 10.3 mi
C
SUM Bible College and Theological Seminary
508 students · 12.2 mi
C
William Jessup University
1,484 students · 13.1 mi
C+
Hoss Lee Academy
97 students · 13.9 mi
C+
Medical Career College of Northern California
10 students · 14.0 mi
C+
Citrus Heights Beauty College
110 students · 14.1 mi
D
National Career Education
438 students · 14.5 mi

Investor Insight: With 5,706 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

How does Pilot Hill, CA rate as a rental market?

Pilot Hill, CA rates 2.0/5 for investability. With median values at $679K and rents near $1,692/mo, the market offers reasonable fundamentals for rental investors.

Where do rents currently stand in Pilot Hill, CA?

Investors in Pilot Hill, CA typically see rents near $1,692/mo per month against $679K home values - a solid setup for rental cash flow.

How quickly do rentals get leased in Pilot Hill, CA?

Pilot Hill, CA carries elevated vacancy risk. Expect consistent absorption at market rents of $1,692/mo.

What type of investing works in Pilot Hill, CA?

Investors usually favor careful cash-flow rentals with hands-on management in Pilot Hill, CA. With home values at $679K and rents near $1,692/mo, other strategies can work but produce steady rather than outsized returns.

Are tenants stable in Pilot Hill, CA?

Working renters make up the core of the Pilot Hill, CA tenant base. The pool is reasonable for investors targeting long-term holds.

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How 95664 ranks in Sacramento-Roseville-Folsom, CA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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