ZIP CODE 91709 // RIVERSIDE-SAN BERNARDINO-ONTARIO, CA // DATA AS OF 2026-09-30
Chino Hills, CA (91709) Rental Property Cap Rate & Cash Flow Report
Located in San Bernardino County (Chino Hills, CA), Zip Code 91709 ranks #414 of 500 within this selected sample (17th percentile) with a Zillow ZHVI typical home-value index of $973,347 (+1.6% YoY) and a ZORI observed market rent of $3,088/mo (+1.4% YoY). Requires at least 72.3% down payment at 6.5% interest to reach $0/mo break-even cash flow. This model combines different housing populations; it is not an observed average property return. Costs assume state-average tax, 0.5% annual insurance, 13% reserves and no HOA or management. Figures below follow your edits; this headline describes the original benchmark.
Net Monthly Cash Flow
-$3,217/mo
Annual: -$38,601/yr
Modeled Cap Rate
2.10%
NOI: $20,461/yr
Cash-on-Cash Return
-17.24%
Cash Needed: $223,870
1% Rule Ratio
0.32%
Gross Yield: 3.81%
Break-Even Rent
$6,785/mo
State Tax: 0.71%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 91709 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (CA Avg 0.71%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$4,922/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$1,383/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (91709)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2021 | $758,207 | $2,735/mo | 4.33% |
| 2022 | $869,392 | $2,843/mo | 3.92% |
| 2023 | $880,406 | $2,908/mo | 3.96% |
| 2024 | $945,834 | $3,044/mo | 3.86% |
| 2025 | $958,391 | $3,046/mo | 3.81% |
| 2026 | $973,347 | $3,088/mo | 3.81% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 95608 Carmichael, CA | $563,163 | $1,784/mo | 2.10% | -$1,863/mo |
| 91977 Spring Valley, CA | $762,925 | $2,425/mo | 2.11% | -$2,517/mo |
| 91402 Los Angeles, CA | $692,980 | $2,208/mo | 2.12% | -$2,282/mo |
| 90731 Los Angeles, CA | $822,360 | $2,588/mo | 2.08% | -$2,736/mo |
| 91335 Los Angeles, CA | $786,164 | $2,531/mo | 2.15% | -$2,566/mo |
| 92703 Santa Ana, CA | $818,104 | $2,554/mo | 2.05% | -$2,740/mo |