ZIP CODE 91910 // SAN DIEGO-CHULA VISTA-CARLSBAD, CA // DATA AS OF 2026-09-30
Chula Vista, CA (91910) Rental Property Cap Rate & Cash Flow Report
Located in San Diego County (Chula Vista, CA), Zip Code 91910 ranks #423 of 500 within this selected sample (16th percentile) with a Zillow ZHVI typical home-value index of $839,504 (+2.3% YoY) and a ZORI observed market rent of $2,609/mo (+2.6% YoY). Requires at least 73.2% 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
-$2,822/mo
Annual: -$33,860/yr
Modeled Cap Rate
2.03%
NOI: $17,080/yr
Cash-on-Cash Return
-17.54%
Cash Needed: $193,086
1% Rule Ratio
0.31%
Gross Yield: 3.73%
Break-Even Rent
$5,852/mo
State Tax: 0.71%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 91910 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (CA Avg 0.71%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$4,245/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$1,186/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (91910)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2021 | $679,628 | $2,098/mo | 3.70% |
| 2022 | $764,486 | $2,463/mo | 3.87% |
| 2023 | $783,496 | $2,486/mo | 3.81% |
| 2024 | $839,033 | $2,531/mo | 3.62% |
| 2025 | $820,702 | $2,543/mo | 3.72% |
| 2026 | $839,504 | $2,609/mo | 3.73% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 92126 San Diego, CA | $979,735 | $3,044/mo | 2.03% | -$3,294/mo |
| 90022 East Los Angeles, CA | $676,218 | $2,109/mo | 2.05% | -$2,266/mo |
| 92703 Santa Ana, CA | $818,104 | $2,554/mo | 2.05% | -$2,740/mo |
| 90731 Los Angeles, CA | $822,360 | $2,588/mo | 2.08% | -$2,736/mo |
| 90805 Long Beach, CA | $711,273 | $2,168/mo | 1.97% | -$2,428/mo |
| 95608 Carmichael, CA | $563,163 | $1,784/mo | 2.10% | -$1,863/mo |