Real Estate Investing in Stirling City, California (95978)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 95978 (Stirling City, CA)? Our answer, based on the numbers below.
Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
- Flat appreciation: Values have barely moved over 5 years (0.1% CAGR).
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
- Elevated poverty: 52.2% poverty rate — can affect rent collection.
- Higher unemployment: 24.0% unemployment — tenant risk signal.
• 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 Stirling City, CA (95978)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 95978 Stirling City
ZIP 95978 in Stirling City, CA carries a notable set of headwinds. Home values near $157K and rents of $1,377/mo sit inside a market where underwriting has to be tight.
The investment case in 95978 is resilient only for operators who understand what they are buying. A $157K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.
Nearby ZIPs in Stirling City have seen price recovery that 95978 has not matched. Butte data supports the view that the spread is structural rather than temporary.
Demographically, 95978 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. significant returns are possible in 95978, 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 Stirling City:
Market Trends
Home Value History (with trend line)
📊 How Does 95978 Compare?
| Metric | 95978 | Stirling City | California |
|---|---|---|---|
| Home Value | $157,329 | $157,329 | $761,003 |
| 5-Year CAGR | 0.1% | 0.1% | 5.7% |
| Avg Rent | $1,377 | $1,377 | - |
| Cap Rate | 6.8% | 6.8% | - |
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 95978 (Stirling City, CA). Anonymous, moderated, never written by AI.
Do you own or manage rentals in ZIP 95978 (Stirling City, CA)?
~25 seconds · no account needed · your report is anonymous
Property managers serving Butte County
Manage rentals here? List your business →Blue Oak Property Management is a full-service residential property management company with deep roots in the Chico community, offering high-end and personalized service. summary from their website
Entwood Property Management is located at 2525 Ceanothus Ave, Chico, CA. summary from their website
IPM Property Management offers multi-family and commercial property management services in Chico and Butte County, 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 | $157,329 |
| Monthly Rent | $1,377 |
| Price-to-Rent | 9.5:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 10.5% |
| Cap Rate | 6.8% |
| 5-Year IRR | 6.9% |
📈 Home Appreciation
| 1-Year | +19.1% ▲ |
| 3-Year CAGR | +4.2% ▲ |
| 5-Year CAGR | +0.1% ▲ |
| 10-Year CAGR | +7.6% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) is close to the estimated cap rate (6.8%). Financing this market at current rates produces a cash-on-cash return near the cap rate. Appreciation and tax benefits may still support the investment.
⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 95978
Population: 283
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 95978
Nearby Schools (2 more)
Schools in adjacent ZIP codes that may serve this area
Pine Ridge
Cedarwood Elementary
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
What is the rental occupancy rate in Stirling City, CA?
Stirling City, CA vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.
Is it easy to find good tenants in Stirling City, CA?
The renter base in Stirling City, CA is reasonable for the $1,377/mo price point. Screening well and pricing to market typically yields stable tenants.
What do rentals go for in Stirling City, CA?
Average rent in Stirling City, CA is approximately $1,377/mo per month. Against $157K home values that yields a reasonable rent-to-price ratio.
What is the median home value in Stirling City, CA?
Expect median prices around $157K in Stirling City, CA. The market has run at a 0.0% 5-year CAGR, so entry costs have been steady.
What is the smart move for investors in Stirling City, CA?
Most investors in Stirling City, CA run a careful cash-flow rentals with hands-on management strategy. It aligns with the 3.0/5 investability profile and the market fundamentals.
You know 95978 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 95978 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.
AI Market Advisor
Ask questions about investing in 95978 (Stirling City)
Community Ratings
What people who’ve spent time here actually say. Not paid reviews.
Be the first to rate 95978 (Stirling City, CA).
It takes 30 seconds. No signup. Your rating helps everyone who comes here after you.