1010 E Bobier Dr #174 · Vista, CA
Flood risk 4/10 · Minor
- FEMA flood zone
- X (shaded)
- Chance of flooding over 30 yrs
- 0.2%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 3/10 · Minor
- Est. fire insurance / yr
- $659 – $1,223
Heat risk 5/10 · Moderate
- Hot days now (above 90°F)
- 7 days/yr
- Hot days in 30 yrs
- 22 days/yr
Wind risk 1/10 · Minimal
- Chance of severe wind over 30 yrs
- —
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 4 days/yr
- Unhealthy air days in 30 yrs
- 4 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the B+ grade
The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).
- Cash flow +30.0/30.0
- ARV discount +15.0/15.0
- 1% rule +10.0/10.0
- DSCR +10.0/10.0
- Schools +4.0/10.0
- Livability +3.0/5.0
- Rent growth +2.9/5.0
- Condition / age +2.5/5.0
- Appreciation +0.0/10.0
$155,000
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Bright, Updated Home in Vista Royal Lodge 55+ Community Fresh, move-in ready, and designed for easy living. Fresh interior paint, central heat & air, and an updated flooring. A flexible layout offers a den/flex spaces plus a charming enclosed sun porch (approx. 250 sq. ft. , not included in living area)- perfect for year-round relaxing. The kitchen is equipped with a gas cooktop, granite counters, generous task lighting, and a spacious pantry with built-in organizers. Refrigerator include. The main living area is bright and open with large windows that welcome natural light. Outside, enjoy a low-maintenance yard, covered patio room, and a storage shed. The carport includes a top-of-the-line wheelchair/handicap lift (~1 year old), plus there's a front entry ramp. Community offers a clubhouse, pool, and spa; RV parking is available for a fee. HOA fee includes water, trash and sewer. It's a short distance to Sprouts, Albertsons, dining, and shopping.
Key facts
- Low-maintenance yard
- Clubhouse
- Covered patio room
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2-bed/2.0-bath manufactured listed at $155k.
Deal economics
- At list price, monthly cash flow is $1k ($15k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($3k rent vs $155k).
- Recommended offer: $136k (12.0% below list) — sets the bar for market timing.
- Cap rate 15.9% vs local median 2.4% in Vista — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.
Location & tenants
- Location reads 60/100 on livability (#584 in CA) — a middle-class / working-renter tenant base. Strengths: commute A+, employment A-; Watch: schools F, amenities F, cost of living F.
- Vista Unified (suburban): math 32% / reading 59% proficiency, ranked #175 of 517 in CA (top 34%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
- Market conditions: Rents rising (+1.6%/yr); 131 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 19d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 11,759 units permitted in San Diego County in 2024 (7,244 in 5+ unit buildings).
- This rent runs 36% of the median local income ($99k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
- San Diego County population projected at +20% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
- At projected returns (-3.0% appreciation + 1.6% rent growth), your $43k cash investment doubles in ~4 years — after that, you're playing with house money.
Negotiation context
- It's been on market 149 days — a 12% lower offer ($136k) is reasonable based on typical stale-listing flexibility.
- 7 sale attempts since 8y ago; this cycle's ask has dropped $25k (14%) from the opening price — seller is motivated, your offer sets the floor, not the list.
- Current owner paid $90k; list at $155k implies a 72% gain — meaningful room to come down on a strong offer.
Risks & watch-outs
- Climate carrying-cost: extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- It's been on market 149 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
- Built in 1974 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
- What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
- What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
- How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.
Investment metrics
- 1% rule
- 1.89% ✓
- Cap rate
- 15.90%
- Cash-on-cash
- 34.31%
- DSCR
- 2.53
- GRM
- 4.4
CMA / ARV
- ARV (median comp)
- $245,000
- List price
- $155,000
- Delta
- -36.73%
- Verdict
- UNDERPRICED
- Comps
- 19 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 1501 Anza Ave #70 | 0.17mi | 2/2.0 | 1,440 (0%) | 9mo | $290,000 | $201 | 85 |
| 1506 Oak Dr #4 | 0.31mi | 2/2.0 | 1,440 (0%) | 2mo | $245,000 | $170 | 83 |
| 1010 E Bobier Dr #46 | 0.02mi | 3/2.0 (+1) | 1,392 (-3%) | 10mo | $225,000 | $162 | 80 |
| 1010 E Bobier Dr #137 | 0.00mi | 3/2.0 (+1) | 1,568 (+9%) | 1mo | $200,000 | $128 | 80 |
| 1506 Oak Dr #92 | 0.31mi | 2/2.0 | 1,440 (0%) | 10mo | $297,777 | $207 | 77 |
| 1010 East Bobier Dr #51 | 0.00mi | 2/2.0 | 1,248 (-13%) | 3mo | $130,000 | $104 | 75 |
| 1501 Anza Ave #3 | 0.17mi | 2/2.0 | 1,344 (-7%) | 7mo | $275,000 | $205 | 75 |
| 1010 E Bobier #89 | 0.00mi | 2/2.0 | 1,272 (-12%) | 7mo | $210,000 | $165 | 75 |
| 1600 E Vista Way #40 | 0.26mi | 2/2.0 | 1,539 (+7%) | 4mo | $353,000 | $229 | 73 |
| 1506 Oak #67 | 0.31mi | 3/2.0 (+1) | 1,369 (-5%) | 9mo | $349,500 | $255 | 65 |
| 1501 Anza Ave #79 | 0.17mi | 3/2.0 (+1) | 1,248 (-13%) | 1mo | $357,900 | $287 | 64 |
| 1506 Oak Dr #55 | 0.31mi | 2/2.0 | 1,578 (+10%) | 8mo | $360,000 | $228 | 63 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
-3.0% appreciation · 1.59% rent growth · sell at horizon
- IRR
- 28.1%
- Equity multiple
- 2.15×
- Total profit
- $49,870
- Equity at exit
- $23,111
- IRR
- 34.8%
- Equity multiple
- 3.97×
- Total profit
- $129,045
- Equity at exit
- $13,402
Cash invested: $43,400 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 18 Strongly Tenant-Friendly
- State California
- 18 Strongly Tenant-Friendly · D+13
- County
- — inherits STATE
- City
- — inherits STATE
ZIP-level market 92084
- Rents YoY
- 1.6%
- Active inventory
- 131
- Price-to-rent
- 4.4×
Monthly cashflow live
- Estimated rent
- $2,927 high interval (Pro) →
- Mortgage (P&I)
- −$813
- Tax est. 1.5%
- −$194 /mo · $2,325/yr
- Insurance
- −$65
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$615
- Net cashflow
- $1,241
Break-even live
UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt
Financing live
Cash to close
- Down payment
- $38,750
- Closing costs
- $4,650
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 1370 Calle Jules Apt 202 Vista, CA | 2.0 | 2.0 | 1080 | $2,600 | $2.41 | 43d | 1 | 0.07mi |
| 1370 Calle Jules Vista, CA | 1.0–2.0 | 1.0–2.0 | 935 | $2,500 | $2.67 | 16d | 3 | 0.08mi |
| 1370 Calle Jules Unit 215 Vista, CA | 2.0 | 2.0 | 1060 | $2,500 | $2.36 | 43d | 1 | 0.09mi |
| 1501 Anza Ave Vista, CA | 2.0 | 2.0 | 1345 | $2,999 | $2.23 | 4d | 1 | 0.16mi |
| 1234 Calle Jules Apt 2 Vista, CA | 3.0 | 1.0 | 900 | $2,500 | $2.78 | 43d | 1 | 0.26mi |
| 1107 Delpy View Pt Vista, CA | 3.0 | 2.0 | 1472 | $3,718 | $2.53 | 43d | 1 | 0.34mi |
| 1109 Delpy View Pt Vista, CA | 3.0 | 2.5 | 1472 | $3,500 | $2.38 | 14d | 1 | 0.34mi |
| 1701 Calle Jules Unit 1707 Vista, CA | 3.0 | 2.0 | 1595 | $3,500 | $2.19 | 43d | 1 | 0.35mi |
| 1194 Madera Ln Vista, CA | 2.0 | 1.5 | 1044 | $2,850 | $2.73 | 43d | 1 | 0.37mi |
| 1164 Madera Ln Vista, CA | 2.0 | 1.5 | 974 | $2,850 | $2.93 | 43d | 1 | 0.39mi |
| 950 Arcadia Ave Vista, CA | 2.0 | 1.0 | 825 | $2,470 | $2.99 | 3d | 3 | 0.42mi |
| 1134 Anza Ave Vista, CA | 3.0 | 2.0 | 1300 | $4,000 | $3.08 | 43d | 1 | 0.43mi |
| 1349 Isabella Way Vista, CA | 3.0 | 2.5 | 1356 | $3,895 | $2.87 | 4d | 1 | 0.49mi |
| 1351 Isabella Way Vista, CA | 2.0 | 2.0 | 1274 | $2,950 | $2.32 | 16d | 1 | 0.49mi |
| 1575 Oak Dr Vista, CA | 1.0–2.0 | 1.0 | 700 | $2,599 | $3.71 | 2d | 7 | 0.50mi |
| 1304 Palomar Pl Unit 1 Vista, CA | 3.0 | 2.0 | 1396 | $3,695 | $2.65 | 1d | 1 | 0.51mi |
| 810 Daybreak Pl Vista, CA | 3.0 | 2.5 | 1458 | $3,995 | $2.74 | 12d | 1 | 0.58mi |
| 1060 Meadow Lake Dr Vista, CA | 2.0 | 1.0 | 963 | $2,495 | $2.59 | 44d | 1 | 0.64mi |
| 1130 Meadow Lake Dr Unit 06 Vista, CA | 2.0 | 1.0 | 1000 | $2,695 | $2.69 | 43d | 1 | 0.64mi |
| 1025 Meadow Lake Dr Apt 12A Vista, CA | 1.0 | 1.0 | 960 | $2,195 | $2.29 | 43d | 1 | 0.65mi |
| 1025 Meadow Lake Dr Apt 20 Vista, CA | 1.0 | 1.0 | 960 | $2,195 | $2.29 | 11d | 1 | 0.65mi |
| 510 Townsite Dr Vista, CA | 1.0–2.0 | 1.0–1.5 | 775 | $2,195 | $2.83 | 2d | 3 | 0.72mi |
| 1060 Vale Terrace Dr Vista, CA | 1.0–2.0 | 1.0–2.0 | 866 | $2,425 | $2.80 | 4d | 1 | 0.75mi |
| 1520 Independence Way Unit 3 Vista, CA | 2.0 | 2.0 | 1130 | $3,400 | $3.01 | 10d | 1 | 0.77mi |
| 1509 Goodwin Dr Vista, CA | 3.0 | 2.0 | 1200 | $3,500 | $2.92 | 43d | 1 | 0.78mi |
| 1122 Geronimo Pl Vista, CA | 3.0–4.0 | 2.5–3.0 | 1354 | $3,579 | $2.64 | 1d | 1 | 0.80mi |
| 801 Hillside Ter Vista, CA | 2.0 | 2.0 | 1150 | $2,550 | $2.22 | 23d | 1 | 0.81mi |
| 2073 White Alder Ln Vista, CA | 1.0 | 1.0 | 1857 | $2,000 | $1.08 | 17d | 1 | 0.81mi |
| 1280 N Citrus Ave Vista, CA | 2.0 | 2.0 | 1129 | $2,605 | $2.31 | 3d | 4 | 0.87mi |
| 740 Paseo Buena Vis Vista, CA | 1.0–3.0 | 1.0–2.0 | 1038 | $3,342 | $3.22 | 1d | 7 | 0.88mi |
| 1559 N Santa Fe Ave Vista, CA | 1.0–2.0 | 1.0–2.0 | 827 | $3,195 | $3.86 | 24d | 10 | 0.97mi |
| 1559 N Santa Fe Ave Vista, CA | 2.0 | 1.0–2.0 | 699 | $3,145 | $4.50 | 19d | 4 | 0.97mi |
| 318 Hillside Ct Vista, CA | 2.0 | 1.5 | 925 | $2,595 | $2.81 | 2d | 1 | 0.99mi |
| 1024 Bonnie Brae Pl Vista, CA | 3.0 | 2.0 | 1684 | $3,800 | $2.26 | 24d | 1 | 1.00mi |
| 123 Taylor St Vista, CA | 2.0 | 2.0 | 947 | $2,700 | $2.85 | 4d | 2 | 1.16mi |
| 311 Weston Cir Vista, CA | 2.0 | 1.5–2.0 | 890 | $2,645 | $2.97 | 24d | 5 | 1.19mi |
| 271 Weston Cir Apt 21 Vista, CA | 2.0 | 2.0 | 890 | $2,695 | $3.03 | 24d | 1 | 1.21mi |
| 226 N Citrus Ave Unit A Vista, CA | 3.0 | 2.0 | 1000 | $3,500 | $3.50 | 24d | 1 | 1.30mi |
| 901 Eucalyptus Ave Vista, CA | 2.0 | 1.0 | 1033 | $3,250 | $3.15 | 24d | 1 | 1.37mi |
| 501 W Bobier Dr Vista, CA | 1.0–3.0 | 1.0–2.0 | 1017 | $3,212 | $3.16 | 1d | 22 | 1.43mi |
Listing history 36 events
-
2026-06-18days on market $155,000 Active 149 DOM
-
2026-06-17days on market $155,000 Active 148 DOM
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2026-06-16days on market $155,000 Active 147 DOM
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2026-06-15days on market $155,000 Active 146 DOM
-
2026-06-13days on market $155,000 Active 144 DOM
-
2026-06-13days on market $155,000 Active 143 DOM
-
2026-06-09days on market $155,000 Active 140 DOM
-
2026-06-08days on market $155,000 Active 139 DOM
-
2026-06-07pricedays on market $155,000 Active 138 DOM
-
2026-06-04days on market $165,000 Active 135 DOM
-
2026-06-03days on market $165,000 Active 134 DOM
-
2026-06-02days on market $165,000 Active 133 DOM
-
2026-06-01days on market $165,000 Active 132 DOM
-
2026-05-31days on market $165,000 Active 131 DOM
-
2026-05-05price $165,000 967-char remark
Show marketing remark (967 chars)
Bright, Updated Home in Vista Royal Lodge 55+ Community Fresh, move-in ready, and designed for easy living. Fresh interior paint, central heat & air, and an updated flooring. A flexible layout offers a den/flex spaces plus a charming enclosed sun porch (approx. 250 sq. ft. , not included in living area)- perfect for year-round relaxing. The kitchen is equipped with a gas cooktop, granite counters, generous task lighting, and a spacious pantry with built-in organizers. Refrigerator include. The main living area is bright and open with large windows that welcome natural light. Outside, enjoy a low-maintenance yard, covered patio room, and a storage shed. The carport includes a top-of-the-line wheelchair/handicap lift (~1 year old), plus there's a front entry ramp. Community offers a clubhouse, pool, and spa; RV parking is available for a fee. HOA fee includes water, trash and sewer. It's a short distance to Sprouts, Albertsons, dining, and shopping.
-
2026-02-11status Active 967-char remark
Show marketing remark (967 chars)
Bright, Updated Home in Vista Royal Lodge 55+ Community Fresh, move-in ready, and designed for easy living. Fresh interior paint, central heat & air, and an updated flooring. A flexible layout offers a den/flex spaces plus a charming enclosed sun porch (approx. 250 sq. ft. , not included in living area)- perfect for year-round relaxing. The kitchen is equipped with a gas cooktop, granite counters, generous task lighting, and a spacious pantry with built-in organizers. Refrigerator include. The main living area is bright and open with large windows that welcome natural light. Outside, enjoy a low-maintenance yard, covered patio room, and a storage shed. The carport includes a top-of-the-line wheelchair/handicap lift (~1 year old), plus there's a front entry ramp. Community offers a clubhouse, pool, and spa; RV parking is available for a fee. HOA fee includes water, trash and sewer. It's a short distance to Sprouts, Albertsons, dining, and shopping.
-
2026-02-11price $169,000 967-char remark
Show marketing remark (967 chars)
Bright, Updated Home in Vista Royal Lodge 55+ Community Fresh, move-in ready, and designed for easy living. Fresh interior paint, central heat & air, and an updated flooring. A flexible layout offers a den/flex spaces plus a charming enclosed sun porch (approx. 250 sq. ft. , not included in living area)- perfect for year-round relaxing. The kitchen is equipped with a gas cooktop, granite counters, generous task lighting, and a spacious pantry with built-in organizers. Refrigerator include. The main living area is bright and open with large windows that welcome natural light. Outside, enjoy a low-maintenance yard, covered patio room, and a storage shed. The carport includes a top-of-the-line wheelchair/handicap lift (~1 year old), plus there's a front entry ramp. Community offers a clubhouse, pool, and spa; RV parking is available for a fee. HOA fee includes water, trash and sewer. It's a short distance to Sprouts, Albertsons, dining, and shopping.
-
2026-01-26status Pending Sale 967-char remark
Show marketing remark (967 chars)
Bright, Updated Home in Vista Royal Lodge 55+ Community Fresh, move-in ready, and designed for easy living. Fresh interior paint, central heat & air, and an updated flooring. A flexible layout offers a den/flex spaces plus a charming enclosed sun porch (approx. 250 sq. ft. , not included in living area)- perfect for year-round relaxing. The kitchen is equipped with a gas cooktop, granite counters, generous task lighting, and a spacious pantry with built-in organizers. Refrigerator include. The main living area is bright and open with large windows that welcome natural light. Outside, enjoy a low-maintenance yard, covered patio room, and a storage shed. The carport includes a top-of-the-line wheelchair/handicap lift (~1 year old), plus there's a front entry ramp. Community offers a clubhouse, pool, and spa; RV parking is available for a fee. HOA fee includes water, trash and sewer. It's a short distance to Sprouts, Albertsons, dining, and shopping.
-
2026-01-16price $172,000 967-char remark
Show marketing remark (967 chars)
Bright, Updated Home in Vista Royal Lodge 55+ Community Fresh, move-in ready, and designed for easy living. Fresh interior paint, central heat & air, and an updated flooring. A flexible layout offers a den/flex spaces plus a charming enclosed sun porch (approx. 250 sq. ft. , not included in living area)- perfect for year-round relaxing. The kitchen is equipped with a gas cooktop, granite counters, generous task lighting, and a spacious pantry with built-in organizers. Refrigerator include. The main living area is bright and open with large windows that welcome natural light. Outside, enjoy a low-maintenance yard, covered patio room, and a storage shed. The carport includes a top-of-the-line wheelchair/handicap lift (~1 year old), plus there's a front entry ramp. Community offers a clubhouse, pool, and spa; RV parking is available for a fee. HOA fee includes water, trash and sewer. It's a short distance to Sprouts, Albertsons, dining, and shopping.
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2025-12-22$179,900 Active 967-char remark
Show marketing remark (967 chars)
Bright, Updated Home in Vista Royal Lodge 55+ Community Fresh, move-in ready, and designed for easy living. Fresh interior paint, central heat & air, and an updated flooring. A flexible layout offers a den/flex spaces plus a charming enclosed sun porch (approx. 250 sq. ft. , not included in living area)- perfect for year-round relaxing. The kitchen is equipped with a gas cooktop, granite counters, generous task lighting, and a spacious pantry with built-in organizers. Refrigerator include. The main living area is bright and open with large windows that welcome natural light. Outside, enjoy a low-maintenance yard, covered patio room, and a storage shed. The carport includes a top-of-the-line wheelchair/handicap lift (~1 year old), plus there's a front entry ramp. Community offers a clubhouse, pool, and spa; RV parking is available for a fee. HOA fee includes water, trash and sewer. It's a short distance to Sprouts, Albertsons, dining, and shopping.
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2025-09-26historical
-
2025-08-26status Active
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2025-08-25historical
-
2025-08-23price $185,000
-
2025-04-28price $190,000
-
2025-03-03status Active
-
2025-03-03status Pending Sale
-
2025-02-24$195,000 Active
-
2018-08-17soldstatus $90,000 Sold
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2018-08-17soldstatus $90,000
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2018-07-19status Pending
-
2018-07-18historical
-
2018-06-17price $99,000
-
2018-05-26price $110,000
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2018-04-23$119,000 Active
-
2018-04-23$99,000
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Climate risk First Street
- Flood 4/10 Moderate FEMA zone X (shaded) · 20% chance over 30 yrs
- Wildfire 3/10 Moderate
- Heat 5/10 Major 7 d/yr ≥90°F today · 22 d/yr by 30 yrs out
- Wind 1/10 Low
- Air quality 3/10 Moderate 4 unhealthy d/yr today · 4 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $35,121
- − Mortgage interest
- −$8,682
- − Property taxes
- −$2,325
- − Insurance
- −$775
- − Repairs & maintenance
- −$2,810
- − Management
- −$2,810
- − Depreciation
- −$4,509
- Taxable income
- $13,210
- Est. tax owed @ 24.0%
- −$3,170
- After-tax cash flow
- $11,721/yr
For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.
Schools (NCES district)
- District
- Vista Unified
- NCES district ID
- 0641190
- Math proficiency
- 32% ▼ -5.00%
- Reading proficiency
- 59% ▲ 9.00%
- Median HH income
- $60,067
- Composite
- 39.91/100
- National rank
- #3850
- State rank
- #175 of 517 in CA
Livability — Vista
- Score
- 60/100
- State rank
- #584
- US rank
- #18990
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Vista, CA
- County
- San Diego County · 3,178,799 people
- City population
- 117,104
- Metro
- San Diego-Chula Vista-Carlsbad, CA
- Population (ZIP)
- 49,727
- Household income
- $98,577
- Rent vs Own
- Severe rent burden
- 1904.0
Population outlook (San Diego County) Hauer SSP2
- Today (2025)
- 3,678,185 people
- By 2030
- 3,856,546 · +4.8%
- By 2040
- 4,171,407 · +13.4%
- By 2050
- 4,421,607 · +20.2%
- By 2075
- 4,831,599 · +31.4%
- By 2100
- 4,832,502 · +31.4%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Diverse neighborhood (Simpson 0.61)
- Race & ethnicity
- Hispanic / Latino 49% White 38% Two or more races 26% Asian 4% Black 2% Native American 1% Pacific Islander 1%
- Hispanic origin (detail)
- Mexican 46%
- Common ancestry
- Lithuanian 2% Italian 2% Romanian 1%
- Foreign-born
- 22% · Canada, Vietnam
- Languages at home
- 62% English-only · Spanish 34% Tagalog/Filipino 1% Other Indo-European 1%
Political lean MEDSL · San Diego
- 2024 margin
- D (+16.8) · D 56.9% · R 40.1% · Other 2.9%
- 2008→2024 swing
- +6.6pp toward D · 2008: 10.2pp · 2024: 16.8pp
- All cycles
- 2024: D+16.8 2020: D+22.8 2016: D+17.8 2012: D+5.1 2008: D+10.2
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -649.36%
- Current HPI
- 366.7772
- Rent YoY
- ▲ 1.59%
- Metro
- San Diego-Chula Vista-Carlsbad, CA
- State GDP YoY
- ▲ 3.21%
- F500 in state
- 116
Industry mix (Fortune 500 HQ in CA)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Technology | 27 | $1,492B |
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| Financial Services | 3 | $174B |
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| Retail | 3 | $44B |
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| Insurance | 3 | $26B |
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| Media / Entertainment | 2 | $115B |
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| Pharmaceuticals / Biotech | 2 | $62B |
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Price history
+38.7% since first listed22 events — show timeline
- 2026-05-05 Price Changed $165,000 CRMLS
- 2026-02-11 Relisted — CRMLS
- 2026-02-11 Price Changed $169,000 CRMLS
- 2026-01-26 Pending — CRMLS
- 2026-01-16 Price Changed $172,000 CRMLS
- 2025-12-22 Listed $179,900 CRMLS
- 2025-09-26 Listing Removed — CRMLS
- 2025-08-26 Relisted — CRMLS
- 2025-08-25 Listing Removed — CRMLS
- 2025-08-23 Price Changed $185,000 CRMLS
- 2025-04-28 Price Changed $190,000 CRMLS
- 2025-03-03 Relisted — CRMLS
- 2025-03-03 Pending — CRMLS
- 2025-02-24 Listed $195,000 CRMLS
- 2018-08-17 Sold (MLS) $90,000 CRMLS
- 2018-08-17 Sold (MLS) $90,000 SDMLS
- 2018-07-19 Pending — SDMLS
- 2018-07-18 Listing Removed — CRMLS
- 2018-06-17 Price Changed $99,000 SDMLS
- 2018-05-26 Price Changed $110,000 SDMLS
- 2018-04-23 Listed $99,000 CRMLS
- 2018-04-23 Listed $119,000 SDMLS
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…