Real Estate Investing in Dobbins, California (95935)

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

Yuba County • Population: 564 • Data updated: September 2026

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Should you buy in 95935 (Dobbins, CA)? Our answer, based on the numbers below.

🏠 For Homebuyers
WEAK FIT
Grade F (29/100)

Multiple negative signals. Better options likely exist nearby.

📈 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
3 flags
  • High vacancy: 42.3% of homes vacant — above national norms.
  • Flat appreciation: Values have barely moved over 5 years (0.6% 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 Dobbins, CA (95935)?

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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 $380,515
Avg Monthly Rent $1,314
1% Rule ✗ Does Not Meet
Median Income $48,797
% Renters 11.6%

Market Analysis: 95935 Dobbins

The 95935 ZIP covers a section of Dobbins that demands careful diligence. Prices near $381K look accessible, but the work to make a deal cash flow is real.

Rent of $1,314/mo on a $381K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 95935 sits below the stated 0.0% once reality is priced in.

Put differently, 95935 offers a low basis, the region around Dobbins has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.

The 95935 ZIP's population of 564 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that registers the need for careful underwriting.

seems 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 Dobbins:

D Needs Caution
Buy Confidence Score: 47/100
Affordability
5/25
Appreciation
10/25
Stability
7/20
Timing
10/15
Rental backup
15/15
Affordability
Expensive
Homes cost 7.8× the median income
Value Trend
Rising (+3.3%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,314/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
Yuba City, CA Metro Area
More inventory, negotiating room for buyers
42 days
Average time to sell
Average
10.4%
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 Yuba City, CA metro data

Market Trends

Home Value History (with trend line)

$416K$362K$308K$254K$200K$147KJul 2006Jul 2016Jul 2026

📊 How Does 95935 Compare?

Metric 95935 Dobbins Yuba City, CA California
Home Value $380,515 $380,515 N/A $761,003
5-Year CAGR 0.6% 0.6% N/A 5.7%
Avg Rent $1,314 $1,314 N/A -
Cap Rate 2.7% 2.7% - -
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 95935 (Dobbins, CA). Anonymous, moderated, never written by AI.

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Investability
Fair
Cap Rate
2.7%
Low
5yr Growth
+0.6%
Slow

📉 Market Crash Risk Index

Based on Yuba City, CA metro

1/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
44%
Days Pending
1/2
42 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $380,515
Monthly Rent $1,314
Price-to-Rent 24.1:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.1%
Cap Rate 2.7%
5-Year IRR 3.2%

📈 Home Appreciation

1-Year +3.3% ▲
3-Year CAGR +0.9% ▲
5-Year CAGR +0.6% ▲
10-Year CAGR +3.5% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.7%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

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.

Vacancy
42.3%
Elevated risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+0.6%
Flat
Eviction process: Very Slow Rent control: Unfavorable

Demographics in 95935

Population: 564

💰 Median Household Income
$48,797
This area
$48,797
State
$94,164
USA
$74,580
🏠 Renter Occupied
11.6%
This area
11.6%
State
39.3%
USA
34.0%
💼 Unemployment Rate
1.4%
This area
1.4%
State
-16.6%
USA
3.7%
🎓 College Educated
35.2%
This area
35.2%
State
7.7%
USA
33.7%
👤 Median Age
53.6 years
This area
53.6 years
State
9.6 years
USA
38.9 years
🏚️ Vacancy Rate
42.3%
This area
42.3%
State
15.3%
USA
10.5%
👥 Population by Ethnicity
White 98.7%
Hispanic/Latino 1.3%
Other/Mixed 1.3%
👶 Under 18
9.2%
This area
9.2%
USA
22.0%
👴 65 and Over
37.8%
This area
37.8%
USA
17.3%
📊 Poverty Rate
19.1%
This area
19.1%
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 95935

C+ Avg School Grade
1 Schools
24.4:1 Avg Class Size
$18,649 Avg Per Pupil

Schools in This ZIP Code

C+ Average

Dobbins Elementary

📚 K – 06 School
👥
62 Students
👨‍🏫
24.4:1 Class Size
💰
$18,649 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

Which investment style suits Dobbins, CA?

A careful cash-flow rentals with hands-on management strategy Dobbins, CA best. The market produces steady results for that approach at the $381K price point.

Is housing expensive in Dobbins, CA?

Dobbins, CA median home values land near $381K. That is reasonable territory for investors looking at $1,314/mo-per-month rentals.

Should investors worry about vacancy in Dobbins, CA?

Vacancy in Dobbins, CA is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $1,314/mo.

How viable is house hacking in Dobbins, CA?

The house hack math a challenging in Dobbins, CA. Owner-occupant buyers benefit from the $1,314/mo rents and $381K home values.

What is the average monthly rent in Dobbins, CA?

Expect rents around $1,314/mo per month in Dobbins, CA. With home values at $381K, the yield math works out to reasonable levels for rental investors.

You know 95935 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 95935 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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How 95935 ranks in Yuba City, CA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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