Cool, CA—95614
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Cool, CA
As of Oct '25, the median home price in Cool, CA is $520,000, with a year-over-year change of -2.0%. This indicates that home prices in Cool, CA are decreasing. According to Zillow, the 1-year price projection is -1.1%, suggesting a decrease housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $520,000 | -2.0% |
| Single Family | $520,000 | -2.1% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $447,000 | -1.1% |
3 Bed | $514,000 | -2.1% |
4 Bed | $634,000 | -1.7% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Cool, CA
As of July '25, Rentcast reports the average rent in Cool, CA is $2,660, with a year-over-year rent change of -4.0%. Per bedroom, the median rent as of July '25 in Cool, CA is 3-bedrooms: $2,380, 4-bedrooms: $2,950. The most common rental property sizes in Cool, CA are 3-bedroom and 2-bedroom, accounting for 63.6% and 22.3% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,380 | $2,660 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | $2,380 | $2,380 |
| 4 Bed Rent | $2,950 | $2,950 |
% of Rental Stock
Property Listings — Cool, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in Cool, CA is 92. This is a increase of 34.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 16.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $532,000 | -13.0% |
Listing Count | 37 | 7.0% |
| Listings as % of Homes | 1.1% | 7.0% |
Days on Market | 92 | 34.0% |
Demographics — Cool, CA
As of the latest ACS Survey released in 2023, Cool, CA has a population of 4,500, which has increased by 13.7% over the past 5 years. Cool, CA is a moderately popular place for families, as children make up 20.1% of the population. The area has a moderately educated workforce, with 32.9% of adult residents holding a bachelor’s degree or higher. There are many residents working remotely, with 26.0% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 4,500 | 13.7% |
% Under 18 | 20.1% | 7.5% |
% Seniors | 25.4% | 21.5% |
% WFH | 26.0% | 185.7% |
% w/ College Degree | 32.9% | -1.8% |
As of the latest ACS Survey released in 2023, Cool, CA is a predominantly white area, with 81.4% of the population identifying as white. The white population has shrunk by 14.3% in the last 5 years. The second most common race or ethnicity in Cool, CA is hispanic, making up 14.3% of the population. Foreign-born residents account for 7.0% of the population in Cool, CA, and this percentage has increased by 52.2% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 81.4% | -14.3% |
% Black | 0.0% | N/A |
% Hispanic | 14.3% | 1,200.0% |
% Asian | 2.0% | 400.0% |
% Foreign Born | 7.0% | 52.2% |
Mortgage and Risk — Cool, CA
According to HUD data as of 2023, there were 103 mortgage originations in Cool, CA, of which 75.0% of loans were conventional mortgages. The average loan-to-value was 65.0%, with 26.0% above 90% LTV (very high). This implies large mortgage risk in Cool, CA. Investor activity is low, as 1.0% of loans were by investors. 10.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 103 |
% Conventional Loans | 75.0% |
% Government Loans | 25.0% |
% Investor Loans | 1.0% |
% Second Loans | 2.0% |
% Cash Out Refinance | 10.0% |
Loan Activity
Rentals and Section 8 — Cool, CA
Cool, CA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | N/A |
Total Units Section 8 | N/A |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $2,460 |
| 2 Bedroom | N/A | N/A | $3,060 |
| 3 Bedroom | $1,770 | $2,380 | $4,150 |
| 4 Bedroom | $1,840 | $2,950 | $4,790 |
Affordability — Cool, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4 |
| Median Home Price | $520,000 |
| Median Household Income | $129,000 |