Real Estate Investing in Doyle, California (96109)

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

Lassen County • Population: 1,182 • Data updated: September 2026

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Should you buy in 96109 (Doyle, CA)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (46/100)

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
5 flags
  • High vacancy: 32.8% of homes vacant — above national norms.
  • Declining values: -1.7% 5-year CAGR — values have moved lower.
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
  • Elevated poverty: 27.8% poverty rate — can affect rent collection.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Doyle, CA (96109)?

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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 $186,339
Avg Monthly Rent $1,152
1% Rule ✗ Does Not Meet
Median Income $49,500
% Renters 6.7%

Market Analysis: 96109 Doyle

Not every below-median market is a bargain. Doyle's 96109 ZIP stands at signals that favor experienced operators who can absorb the risk $186K pricing implies.

Rent of $1,152/mo on a $186K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 96109 sits below the stated 0.0% once reality is priced in.

In the broader CA picture, 96109 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

Who lives in 96109 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

Strategically, 96109 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.

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 Doyle:

D Needs Caution
Buy Confidence Score: 48/100
Affordability
15/25
Appreciation
5/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.8× the median income
Value Trend
Rising (+5.7%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,152/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
☀️
WARM MARKET
Susanville, CA Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
4.9%
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 Susanville, CA metro data

Market Trends

Home Value History (with trend line)

$221K$191K$162K$132K$102K$72KApr 2007Dec 2016Jul 2026

📊 How Does 96109 Compare?

Metric 96109 Doyle Susanville, CA California
Home Value $186,339 $186,339 N/A $761,003
5-Year CAGR N/A N/A N/A 5.7%
Avg Rent $1,152 $1,152 N/A -
Cap Rate 4.8% 4.8% - -
💡 Why Invest in 96109? 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 96109 (Doyle, CA). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.8%
Fair
5yr Growth
-1.7%
Declining

📉 Market Crash Risk Index

Based on Susanville, CA metro

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

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $186,339
Monthly Rent $1,152
Price-to-Rent 13.5:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 7.4%
Cap Rate 4.8%
5-Year IRR 3.1%

📈 Home Appreciation

1-Year +5.7% ▲
3-Year CAGR -1.4% ▼
5-Year CAGR -1.7% ▼
10-Year CAGR +5.7% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.8%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.8%). 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.

Vacancy
32.8%
Elevated risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
-1.7%
Flat
Eviction process: Very Slow Rent control: Unfavorable

Demographics in 96109

Population: 1,182

💰 Median Household Income
$49,500
This area
$49,500
State
$94,164
USA
$74,580
🏠 Renter Occupied
6.7%
This area
6.7%
State
39.3%
USA
34.0%
💼 Unemployment Rate
7.1%
This area
7.1%
State
-16.6%
USA
3.7%
🎓 College Educated
11.7%
This area
11.7%
State
7.7%
USA
33.7%
👤 Median Age
41.0 years
This area
41.0 years
State
9.6 years
USA
38.9 years
🏚️ Vacancy Rate
32.8%
This area
32.8%
State
15.3%
USA
10.5%
👥 Population by Ethnicity
White 85.0%
Other/Mixed 12.5%
Hispanic/Latino 8.6%
Asian 2.5%
👶 Under 18
16.7%
This area
16.7%
USA
22.0%
👴 65 and Over
17.6%
This area
17.6%
USA
17.3%
📊 Poverty Rate
27.8%
This area
27.8%
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 96109

C+ Avg School Grade
1 Schools
19.0:1 Avg Class Size
$12,577 Avg Per Pupil

Schools in This ZIP Code

C+ Average

Long Valley

📚 K – 12 K-12 Charter
👥
273 Students
👨‍🏫
19.0:1 Class Size
💰
$12,577 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

What is the investability score for Doyle, CA?

Our data puts Doyle, CA at 3.0/5 for investability. Home prices of $186K and rents around $1,152/mo create a solid backdrop for investor activity.

What is the smart move for investors in Doyle, CA?

Doyle, CA investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($186K prices, $1,152/mo rents) make it a reasonable choice.

How tight is the rental market in Doyle, CA?

Rental vacancy in Doyle, CA is elevated. Investors should budget normal turnover but not chronic empty units.

What are home prices like in Doyle, CA?

Doyle, CA median home values land near $186K. That is reasonable territory for investors looking at $1,152/mo-per-month rentals.

Are rents high in Doyle, CA?

Rent in Doyle, CA is around $1,152/mo. The resulting rent-to-value relationship with $186K pricing is reasonable for most investor models.

You know 96109 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 96109 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 96109 ranks in Susanville, CA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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