Real Estate Investing in Folsom, California (95630)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 95630 (Folsom, 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.
- Flat appreciation: Values have barely moved over 5 years (1.3% CAGR).
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
What’s happening in Folsom, CA (95630)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 95630 Folsom
The 95630 ZIP in Folsom, CA is a local-operator market. Outside capital chasing a $764K entry has to pair deep knowledge with the discount.
In practical terms, the numbers look inviting — $764K purchase price, 0.0% nominal cap — the work to hit that pro forma in 95630 is substantial and deserves full respect.
In the broader CA picture, 95630 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.
The demographic picture in 95630 includes headwinds that any investor should price in. Income distribution skews lower than Folsom averages, and tenant stability requires active management.
The 95630 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.
Here's what matters if you're considering buying a home in Folsom:
Property Strategy for 95630
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 1BR | $340,850 | $2,450 | 5.2% | +1.9% | $340,850 |
| 2BR | $491,730 | $3,010 | 4.4% | +3.3% | $245,865 |
| 3BR | $653,784 | $4,010 | 4.4% | +3.9% | $217,928 |
| 4BR | $812,172 | $4,620 | 4.1% | +4.5% | $203,043 |
| 5BR | $1,014,169 | — | — | +5.4% | $202,834 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 95630 Compare?
| Metric | 95630 | Folsom | Sacramento-Roseville-Folsom, CA | California |
|---|---|---|---|---|
| Home Value | $763,757 | $763,757 | N/A | $761,003 |
| 5-Year CAGR | 1.3% | 1.3% | N/A | 5.7% |
| Avg Rent | $2,670 | $2,670 | N/A | - |
| Cap Rate | 2.7% | 2.7% | - | - |
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 95630 (Folsom, CA). Anonymous, moderated, never written by AI.
Do you own or manage rentals in ZIP 95630 (Folsom, CA)?
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Property managers serving Sacramento County
Manage rentals here? List your business →Advent Properties, Inc. offers comprehensive, responsive, and professional property management and real estate services in the Bay Area, East Bay, and Sacramento regions. summary from their website
CYA Property Management, led by Carla Morgan, serves Carmichael, CA. summary from their website
Eagle Property Management offers property management services in Sacramento, CA. summary from their website
Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.
📊 Market Snapshot
| Home Value | $763,757 |
| Monthly Rent | $2,670 |
| Price-to-Rent | 23.8:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.2% |
| Cap Rate | 2.7% |
| 5-Year IRR | 4.0% |
📈 Home Appreciation
| 1-Year | +0.9% ▲ |
| 3-Year CAGR | +0.6% ▲ |
| 5-Year CAGR | +1.3% ▲ |
| 10-Year CAGR | +4.6% ▲ |
🏠 Rent Trends
| 1-Year | +5.2% ▲ |
| 3-Year CAGR | +3.0% ▲ |
| 5-Year CAGR | +2.5% ▲ |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.7%). 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 95630
Population: 77,952
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 95630
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 1,961 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
Is Folsom in CA worth investing in?
Our data puts Folsom, CA at 2.0/5 for investability. Home prices of $764K and rents around $2,670/mo create a solid backdrop for investor activity.
What real estate strategy is ideal for Folsom, CA?
Folsom, CA investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($764K prices, $2,670/mo rents) make it a reasonable choice.
How do home values compare in Folsom, CA?
Homes in Folsom, CA typically sell near $764K. Prices have moved at a 0.0% 5-year CAGR, which reliable long-term demand.
Does house hacking work in Folsom, CA?
House hacking works a challenging in Folsom, CA. Rents of $2,670/mo against $764K acquisition make the strategy solid for owner-occupants.
Do landlords face vacancy issues in Folsom, CA?
Expect elevated vacancy in Folsom, CA. Rents at $2,670/mo are absorbed by the tenant base without meaningful lag.
You know 95630 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 95630 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.
How 95630 ranks in Sacramento-Roseville-Folsom, CA
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