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Market MapMadera, CA
Metropolitan Area

Madera, CA

California0
57
/100
Hold
#588 of 894 metros
Top 66% nationally for investing

Market Snapshot

$425,752
Median Home Price
67% above national median
$2,339/mo
Median Rent
69% above national median
6.59%
Rent-to-Price Ratio
Top 33% nationally
-$712
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

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

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$425,752
Down Payment (20%)$85,150
Loan Amount$340,602
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$2,339
Monthly P&I-$2,232
Est. Expenses (35%)-$818
Net Cash Flow-$711/mo
4.3%
Cap Rate (all cash)
-8.7%
Cash-on-Cash Return
6.59%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 4.3% 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.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
57/100
57
Cash Flow(30%)
66/100

Based on 6.59% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
67/100

Based on 2.0% 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%)
39/100

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

  • +Above-average rent-to-price ratio (6.59%)
  • +Low unemployment (0.0%)

Challenges

  • -Negative cash flow at typical financing (-$712/mo)
  • -Negative leverage (cap rate 4.3% < mortgage rate 6.9%)
  • -High price-to-income ratio makes financing challenging

Counties in Madera, CA

County data is being compiled for this metro area.

Compare to Similar Metros

Metro AreaVerdict
Huron, SD
Huron, SD
77$192,112Est.Strong BuyView
Galesburg, IL
Galesburg, IL
77$119,882$8618.62%Strong BuyView
Fort Madison, IA
Fort Madison, IA
77$125,903Est.Strong BuyView
Quincy, IL
Quincy, IL
77$187,232$1,1977.67%Strong BuyView
Ponca City, OK
Ponca City, OK
77$114,874$8068.42%Strong BuyView
Current
Madera, CA
57$425,752$2,3396.59%Hold

The Bottom Line

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

The Madera, CA metro area scores 57/100, ranking #588 of 894 US metros (top 66%). The 6.59% rent-to-price ratio indicates moderate cash flow potential. 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
$-712/mo
Cap Rate
4.3%
Cash-on-Cash
-10.0%

Ready to Invest in Madera, CA?

Use our investment calculators to run detailed numbers on specific properties, or explore individual counties for more targeted opportunities.

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