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 | $1,480 |
| 1 Bedroom | $1,680 |
| 2 Bedrooms | $2,120 |
| 3 Bedrooms | $2,750 |
| 4 Bedrooms | $3,540 |
| 5 Bedrooms | $4,106 |
| 6 Bedrooms | $4,599 |
| 7 Bedrooms | $4,967 |
| 8 Bedrooms | $5,215 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-08-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 2BR | $2,120 | $325,591 | 0.65% | D |
| 3BR | $2,750 | $401,742 | 0.68% | D |
U.S. Census Bureau data (2024)
The ZIP code 95372, located in Soulsbyville, CA, presents a unique combination of yield and stability that positions it as a moderate-risk investment opportunity for landlords and small-portfolio investors.
On the yield axis, the area shows potential for above-average returns. The Fair Market Rent (FMR) for the metro area in fiscal year 2026 is set at $2,160, while the market rent stands at $1,741. This suggests a premium of approximately $419 per unit over the market rate, which can be leveraged by investors to increase rental income. However, the median home value of $389,207 indicates a higher capital investment compared to other areas, potentially reducing the overall yield percentage.
Regarding stability, the metrics paint a mixed picture. Only 14.6% of the population are renters, which is a relatively low figure. This could imply less demand for rental properties and higher vacancy rates. Additionally, the average daily days on market (DOM) is not available, which makes it difficult to assess how quickly properties might be rented. On a positive note, the median household income of $97,398 provides some assurance that tenants will have the financial capacity to meet their rental obligations.
In summary, ZIP 95372 offers a scenario where the potential for higher rental income exists, but it must be balanced against the risk of lower demand and possibly higher vacancy rates. It is neither a high-yield/low-stability flip-style market nor a steady-cashflow zone. Instead, it falls into a category where investors can expect moderate cash flow with moderate risk, given the current data points.
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.