Real Estate Investing in Arbuckle, California (95912)

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

Colusa County • Population: 5,048 • Data updated: September 2026

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Should you buy in 95912 (Arbuckle, CA)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (61/100)

Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • 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 Arbuckle, CA (95912)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $423,250
Avg Monthly Rent $1,719
1% Rule ✗ Does Not Meet
Median Income $77,772
% Renters 29.2%

Market Analysis: 95912 Arbuckle

The 95912 ZIP covers a section of Arbuckle that demands careful diligence. Prices near $423K look accessible, but the work to make a deal cash flow is real.

Turning to rents, the numbers look inviting — $423K purchase price, 0.0% nominal cap — the work to hit that pro forma in 95912 is substantial and deserves full respect.

In the broader CA picture, 95912 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

Demographically, 95912 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.

Distressed ZIPs reward experience. healthy returns are possible in 95912, but they flow to investors who already understand how to operate in soft markets.

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 Arbuckle:

C+ Average
Buy Confidence Score: 60/100
Affordability
10/25
Appreciation
18/25
Stability
9/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.4× the median income
Value Trend
Stable (+2.5%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,719/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
🏠

Property Strategy for 95912

Which property type performs best in this market?

Best for Cash Flow
3BR
4.8% cap rate
Best for Appreciation
4BR
+5.7% 5yr CAGR
Best Overall Value
4BR
$120,777/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $298,127 $1,910 4.6% +4.6% $149,064
3BR $401,431 $2,650 4.8% +5.6% $133,810
4BR $483,108 $2,970 4.4% +5.7% $120,777

Market Trends

Home Value History (with trend line)

$446K$381K$316K$251K$187K$122KFeb 2007Nov 2016Jul 2026

📊 How Does 95912 Compare?

Metric 95912 Arbuckle California
Home Value $423,250 $423,250 $761,003
5-Year CAGR 3.1% 3.1% 5.7%
Avg Rent $1,719 $1,719 -
Cap Rate 3.2% 3.2% -
💡 Why Invest in 95912? Click to expand

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

📊 See where this ZIP ranks in our Best-of lists →
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 95912 (Arbuckle, CA). Anonymous, moderated, never written by AI.

Do you own or manage rentals in ZIP 95912 (Arbuckle, CA)?

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Investability
Good
Cap Rate
3.2%
Low
5yr Growth
+3.1%
Moderate

📊 Market Snapshot

Home Value $423,250
Monthly Rent $1,719
Price-to-Rent 20.5:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.9%
Cap Rate 3.2%
5-Year IRR 6.3%

📈 Home Appreciation

1-Year +2.5% ▲
3-Year CAGR +2.6% ▲
5-Year CAGR +3.1% ▲
10-Year CAGR +6.6% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.2%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.2%). 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
4.7%
Low risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+3.1%
Stable
Eviction process: Very Slow Rent control: Unfavorable

Demographics in 95912

Population: 5,048

💰 Median Household Income
$77,772
This area
$77,772
State
$94,164
USA
$74,580
🏠 Renter Occupied
29.2%
This area
29.2%
State
39.3%
USA
34.0%
💼 Unemployment Rate
1.1%
This area
1.1%
State
-16.6%
USA
3.7%
🎓 College Educated
11.7%
This area
11.7%
State
7.7%
USA
33.7%
👤 Median Age
35.0 years
This area
35.0 years
State
9.6 years
USA
38.9 years
🏚️ Vacancy Rate
4.7%
This area
4.7%
State
15.3%
USA
10.5%
👥 Population by Ethnicity
White 59.3%
Other/Mixed 39.5%
Hispanic/Latino 33.6%
Black/African American 1.0%
Asian 0.2%
👶 Under 18
24.3%
This area
24.3%
USA
22.0%
👴 65 and Over
11.5%
This area
11.5%
USA
17.3%
📊 Poverty Rate
4.3%
This area
4.3%
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

🎓 Schools in 95912

B Avg School Grade
4 Schools
19.5:1 Avg Class Size
$16,120 Avg Per Pupil

Schools in This ZIP Code

B Good

Lloyd G. Johnson Junior High

📚 06 – 08 Middle
👥
336 Students
👨‍🏫
20.4:1 Class Size
💰
$16,120 Per Student
B Good

Pierce High

📚 09 – 12 High School
👥
503 Students
👨‍🏫
18.5:1 Class Size
💰
$16,120 Per Student
B Good

Arbuckle Elementary

📚 K – 05 Elementary
👥
602 Students
👨‍🏫
23.2:1 Class Size
💰
$16,120 Per Student
C+ Average

Arbuckle Alternative High (Continuation)

📚 09 – 12 High School
👥
8 Students
👨‍🏫
16.0:1 Class Size
💰
$16,120 Per Student
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 do home values compare in Arbuckle, CA?

The median home value in Arbuckle, CA is roughly $423K. That puts it reasonable relative to the CA statewide average.

What is the renter demographic in Arbuckle, CA?

Tenant demand in Arbuckle, CA is solid. The local workforce $1,719/mo rents across most rental classes.

What is the best play in Arbuckle, CA?

Investors who focus on careful cash-flow rentals with hands-on management typically do well in Arbuckle, CA. The numbers - $423K homes against $1,719/mo rents - support that play.

How viable is house hacking in Arbuckle, CA?

Arbuckle, CA is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $423K price point reasonable to enter.

What is the investability score for Arbuckle, CA?

The 3.0/5 investability rating in Arbuckle, CA reflects its $423K prices and $1,719/mo rents. Investors generally consider it a solid option within CA.

You know 95912 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 95912 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.

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