Location: Calaveras County, CA | Metro: Calaveras County, CA
Based on 1% Rule: A+ (≥1.5%) | A (≥1.2%) | B (≥1.0%) | C (≥0.8%) | D (≥0.6%) | F (<0.6%)
| Unit Size | Monthly FMR |
|---|---|
| Studio | $980 |
| 1 Bedroom | $1,060 |
| 2 Bedrooms | $1,390 |
| 3 Bedrooms | $1,940 |
| 4 Bedrooms | $2,090 |
| 5 Bedrooms | $2,424 |
| 6 Bedrooms | $2,715 |
| 7 Bedrooms | $2,932 |
| 8 Bedrooms | $3,079 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-08-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 1BR | $1,060 | $178,386 | 0.59% | F |
| 2BR | $1,390 | $259,823 | 0.53% | F |
| 3BR | $1,940 | $347,516 | 0.56% | F |
U.S. Census Bureau data (2024)
The market analysis for Section 8 investors targeting ZIP code 95255, located in West Point, CA, within the Calaveras County metro area, reveals a favorable environment for cashflow generation. The HUD Fair Market Rent (FMR) for the region, set at $1,290 for fiscal year 2026, exceeds the market rent of $1,175 as reported by the Census American Community Survey. This indicates that voucher tenants can provide positive cashflow to landlords, especially when considering the typical expenses associated with rental properties.
To further analyze the investment potential, we look at the median home value in the area, which stands at $282,323. Using this figure, we calculate a rent-to-price ratio of approximately 0.45%, suggesting that the local real estate market offers a reasonable balance between rental income and property values. This ratio supports the idea that purchasing properties in this ZIP code could be a prudent investment for those interested in both cashflow and long-term stability.
Regarding the time on market (DOM) and price-cutting trends, the data shows a median DOM of N/A days and a price-cut share of 0.1%. These figures indicate a relatively stable market where homes are selling without significant discounts, which is beneficial for investors seeking to avoid prolonged vacancy periods and maintain property value integrity.
The strongest angle for investors in ZIP 95255 is likely to be cashflow. Given the higher FMR compared to the average market rent, landlords can expect consistent positive cashflow from voucher tenants, making it an attractive option for those focused on generating regular income from their investments.
Data Sources: FMR data from HUD (2027). Median home prices from Zillow (2026-08-31). Demographics from U.S. Census (2024).
About FMR: Fair Market Rent (FMR) is used to determine payment standards for the Section 8 Housing Choice Voucher program, initial renewal rents for some expiring project-based Section 8 contracts, and rent ceilings for HOME Investment Partnerships.