Real Estate Investing in Volcano, California (95689)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 95689 (Volcano, CA)? Our answer, based on the numbers below.
Multiple negative signals. Better options likely exist nearby.
Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.
- High vacancy: 32.5% of homes vacant — above national norms.
- Declining values: -0.8% 5-year CAGR — values have moved lower.
- 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 Volcano, CA (95689)?
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Market Analysis: 95689 Volcano
This part of Amador County is not an easy win. The 95689 ZIP reflects softness in key indicators, and the playbook that works in cleaner markets often stalls here.
Rent of $1,422/mo on a $400K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 95689 sits below the stated 0.0% once reality is priced in.
Regionally, 95689 sits on the difficult end of the CA spectrum. The a credible choice for read — for disciplined operators — is that pricing reflects the difficulty.
Employment concentration in 95689 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.
Distressed ZIPs reward experience. sturdy returns are possible in 95689, but they flow to investors who already understand how to operate in soft markets.
Here's what matters if you're considering buying a home in Volcano:
Property Strategy for 95689
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $336,469 | $1,580 | 3.4% | +2.6% | $168,234 |
| 3BR | $436,342 | $2,070 | 3.4% | +2.5% | $145,447 |
Market Trends
Home Value History (with trend line)
📊 How Does 95689 Compare?
| Metric | 95689 | Volcano | California |
|---|---|---|---|
| Home Value | $400,131 | $400,131 | $761,003 |
| 5-Year CAGR | N/A | N/A | 5.7% |
| Avg Rent | $1,422 | $1,422 | - |
| Cap Rate | 2.8% | 2.8% | - |
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 95689 (Volcano, CA). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $400,131 |
| Monthly Rent | $1,422 |
| Price-to-Rent | 23.5:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.3% |
| Cap Rate | 2.8% |
| 5-Year IRR | 2.0% |
📈 Home Appreciation
| 1-Year | -0.9% ▼ |
| 3-Year CAGR | -1.4% ▼ |
| 5-Year CAGR | -0.8% ▼ |
| 10-Year CAGR | +3.7% ▲ |
🏠 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 (2.8%). 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 95689
Population: 1,065
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
What is the typical rental rate in Volcano, CA?
Expect rents around $1,422/mo per month in Volcano, CA. With home values at $400K, the yield math works out to reasonable levels for rental investors.
How strong is the working-renter base in Volcano, CA?
Volcano, CA offers a predictable renter base at the $1,422/mo rent level. Tenant turnover is reasonable for well-managed properties.
How much does a house cost in Volcano, CA?
Median home price in Volcano, CA is near $400K, with a 5-year CAGR of 0.0%. Prices have been measured and supportive of buy-and-hold strategies.
Is Volcano, CA a friendly market for rental owners?
Rental owners in Volcano, CA deal with a tenant-protective legal framework. Most standard eviction processes run on reasonable timelines.
Is Volcano, CA suited for a house hack?
House hacking in Volcano, CA is reasonable to execute. Prices around $400K and rents of $1,422/mo solid owner-occupant economics.
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