Metropolitan Area

Yuba City, CA

California0
47
/100
Hold
#766 of 894 metros
Top 86% nationally for investing

Market Snapshot

$432,169
Median Home Price
70% above national median
$1,928/mo
Median Rent
39% above national median
5.35%
Rent-to-Price Ratio
Top 65% nationally
-$1,012
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Median Home Price

Median Rent

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$432,169
Down Payment (20%)$86,434
Loan Amount$345,735
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,928
Monthly P&I-$2,265
Est. Expenses (35%)-$675
Net Cash Flow-$1,013/mo
3.5%
Cap Rate (all cash)
-12.2%
Cash-on-Cash Return
5.35%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 3.5% cap rate. All-cash buyers may see better returns.

* Based on metro-wide median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Individual counties and properties vary significantly.

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Score Breakdown

Overall Investment Score
47/100
47
Cash Flow(30%)
50/100

Based on 5.35% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
46/100

Based on -1.0% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Based on 0.0% population growth. Growing areas indicate economic stability.

Affordability(20%)
38/100

Based on price relative to estimated local incomes.

Scores are calculated using real Zillow metro-level home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. This metro score represents area-wide averages; individual counties may vary significantly.

Investment Outlook

Strengths

  • +Low unemployment (0.0%)

Challenges

  • -Declining home values (-1.0% YoY)
  • -Negative cash flow at typical financing (-$1,012/mo)
  • -Negative leverage (cap rate 3.5% < mortgage rate 6.9%)
  • -High price-to-income ratio makes financing challenging

Counties in Yuba City, CA

County data is being compiled for this metro area.

Compare to Similar Metros

Metro AreaVerdict
Dublin, GA
Dublin, GA
67$173,576$1,0427.20%BuyView
Nacogdoches, TX
Nacogdoches, TX
67$224,697$1,1456.12%BuyView
Sandusky, OH
Sandusky, OH
67$238,887$1,5327.69%BuyView
Greenwood, SC
Greenwood, SC
67$178,133$1,2528.43%BuyView
Starkville, MS
Starkville, MS
67$256,680$1,6367.65%BuyView
Current
Yuba City, CA
47$432,169$1,9285.35%Hold

The Bottom Line

HoldYuba City, CA is a neutral market. Consider house hacking or targeting below-market deals in specific counties.

The Yuba City, CA metro area scores 47/100, ranking #766 of 894 US metros (top 86%). The 5.35% rent-to-price ratio may require targeting specific counties or creative strategies for positive cash flow. Current metro-wide averages make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or drilling down to specific counties.

Monthly Cash Flow
$-1,012/mo
Cap Rate
3.5%
Cash-on-Cash
-14.1%

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