Location: Tuolumne County, CA | Metro: Tuolumne 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 | $990 |
| 1 Bedroom | $1,140 |
| 2 Bedrooms | $1,440 |
| 3 Bedrooms | $1,880 |
| 4 Bedrooms | $2,400 |
| 5 Bedrooms | $2,784 |
| 6 Bedrooms | $3,118 |
| 7 Bedrooms | $3,367 |
| 8 Bedrooms | $3,535 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-07-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 2BR | $1,440 | $332,546 | 0.43% | F |
| 3BR | $1,880 | $414,159 | 0.45% | F |
| 4BR | $2,400 | $530,792 | 0.45% | F |
U.S. Census Bureau data (2024)
The rent math in ZIP 95327, Jamestown, CA, does not favor landlords. The Fair Market Rent (FMR) for the Tuolumne County metro area, set at $1,390 for fiscal year 2026, exceeds the current market rent of $1,059 based on Census ACS data. This gap suggests that landlords may struggle to attract tenants willing to pay the higher subsidized rates.
Acquisition in this area is moderately priced but lacks affordability benchmarks due to incomplete data. The median home value stands at $402,510. However, the absence of Days on Market (DOM) and the percentage of homes needing price cuts makes it difficult to assess how quickly properties can be sold or if significant price reductions are necessary to close deals.
Tenant demand is present but limited. With a total population of 8,752, approximately 30.5% are renters. This indicates a steady but modest pool of potential tenants who could benefit from the lower market rents. However, the lack of robust rental activity may impact the ability to find tenants quickly.
In summary, ZIP 95327 presents challenges for landlords and small-portfolio investors. The disparity between FMR and market rent suggests difficulties in attracting tenants, while the median home value implies a middle-ground in terms of acquisition costs. Tenant demand is evident but not overwhelming, making it a cautious investment opportunity where careful consideration of the local rental market dynamics is essential.
Data Sources: FMR data from HUD (2027). Median home prices from Zillow (2026-07-31). 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.