Real Estate Investing in River Pines, California (95675)

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

Amador County • Population: 345 • Data updated: September 2026

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Should you buy in 95675 (River Pines, CA)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (50/100)

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

📈 For Investors
MIXED
3.0 / 5 (52/100)

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
2 flags
  • Flat appreciation: Values have barely moved over 5 years (0.1% CAGR).
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.

• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in River Pines, CA (95675)?

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3.0/ 5

Investability

Overall investment appeal

1.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $237,194
Avg Monthly Rent $1,620
1% Rule ✗ Does Not Meet
Median Income N/A
% Renters 12.1%

Market Analysis: 95675 River Pines

The 95675 ZIP in River Pines, CA is a local-operator market. Outside capital chasing a $237K entry has to pair deep knowledge with the discount.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $237K asset, 95675 is the wrong submarket. If the plan prices in friction, the yield can still work.

In the broader CA picture, 95675 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

The 95675 ZIP's population of 345 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that records the need for careful underwriting.

looks to the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.

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 River Pines:

Affordability
Affordable
Homes cost × the median income
Value Trend
Declining (-0.4%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,620/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.

Market Trends

Home Value History (with trend line)

$282K$234K$186K$138K$90K$43KJul 2006Jul 2016Jul 2026

📊 How Does 95675 Compare?

Metric 95675 River Pines California
Home Value $237,194 $237,194 $761,003
5-Year CAGR 0.1% 0.1% 5.7%
Avg Rent $1,620 $1,620 -
Cap Rate 5.3% 5.3% -
💡 Why Invest in 95675? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 95675 (River Pines, CA). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
5.3%
Fair
5yr Growth
+0.1%
Slow

📊 Market Snapshot

Home Value $237,194
Monthly Rent $1,620
Price-to-Rent 12.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 8.2%
Cap Rate 5.3%
5-Year IRR 5.4%

📈 Home Appreciation

1-Year -0.4% ▼
3-Year CAGR -1.5% ▼
5-Year CAGR +0.1% ▲
10-Year CAGR +6.7% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 5.3%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (5.3%). 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
0.0%
Low risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+0.1%
Flat
Eviction process: Very Slow Rent control: Unfavorable

Demographics in 95675

Population: 345

💰 Median Household Income
N/A
🏠 Renter Occupied
12.1%
This area
12.1%
State
39.3%
USA
34.0%
💼 Unemployment Rate
0.0%
This area
0.0%
State
-16.6%
USA
3.7%
🎓 College Educated
37.3%
This area
37.3%
State
7.7%
USA
33.7%
👤 Median Age
37.7 years
This area
37.7 years
State
9.6 years
USA
38.9 years
🏚️ Vacancy Rate
0.0%
This area
0.0%
State
15.3%
USA
10.5%
👥 Population by Ethnicity
White 75.2%
Other/Mixed 16.0%
Black/African American 8.8%
👶 Under 18
22.2%
This area
22.2%
USA
22.0%
👴 65 and Over
27.3%
This area
27.3%
USA
17.3%
📊 Poverty Rate
0.0%
This area
0.0%
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

Frequently Asked Questions

Is it easy to find good tenants in River Pines, CA?

Tenant quality in River Pines, CA ranks as solid. Landlords generally report consistent occupancy at market rents of $1,620/mo.

Is River Pines, CA a good place for real estate investing?

With a 3.0/5 investability score, River Pines, CA ranks as a solid market for rental property investors. Median prices of $237K and rents of $1,620/mo drive the underlying numbers.

Where do home prices stand in River Pines, CA?

Expect median prices around $237K in River Pines, CA. The market has run at a 0.0% 5-year CAGR, so entry costs have been measured.

Is CA a landlord-friendly state?

CA ranks as a tenant-protective state for landlord-tenant law. River Pines generally follows the statewide framework, so landlords face reasonable operating rules.

How high is vacancy risk in River Pines, CA?

Vacancy in River Pines, CA is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $1,620/mo.

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