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Market MapCaliforniaAmador

Amador County

CaliforniaPopulation: 40,577
47
/100
Hold
#609 of 1,000 counties
#18 in California (58 counties)

Market Snapshot

$406,695
Median Home Price
74% above national median
$1,908/mo
Median Rent
26% above national median
5.63%
Rent-to-Price Ratio
Top 58% nationally
-$892
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Historical data from Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$406,695
Down Payment (20%)$81,339
Loan Amount$325,356
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,908
Monthly P&I-$2,132
Est. Expenses (35%)-$668
Net Cash Flow-$892/mo
3.7%
Cap Rate (all cash)
-11.4%
Cash-on-Cash Return
5.63%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 3.7% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
47/100
47
Cash Flow(30%)
54/100

Based on 5.63% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
33/100

Based on -3.4% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
49/100

Price-to-income ratio of 5.4x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

  • +Complete rent data available

Challenges

  • -Declining home values (-3.4% YoY)
  • -Negative cash flow at typical financing (-$892/mo)
  • -Negative leverage (cap rate 3.7% < mortgage rate 6.9%)

Economic Indicators

Population
40,577
Median Income
$74,853
vs $57,018 national est.
Unemployment Rate
—
Data pending
Price-to-Income
5.4x
Less affordable

Compare to Nearby Counties

CountyVerdict
ButteCA
48$389,816$1,6164.97%HoldView
ShastaCA
48$364,564$1,5985.26%HoldView
CurrentAmadorCA
47$406,695$1,9085.63%Hold
StanislausCA
47$458,196$2,0705.42%HoldView
MercedCA
46$412,344$1,9735.74%HoldView
YubaCA
45$410,114$1,8285.35%HoldView

The Bottom Line

HoldAmador is a neutral market. Consider house hacking or targeting below-market deals.

Amador County in California scores 47/100, ranking #609 of 1,000 US counties (top 81%). The 5.63% rent-to-price ratio may require creative strategies or below-market purchases for positive cash flow. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow
$-892/mo
Cap Rate
3.7%
Cash-on-Cash
-11.4%

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