ZIP CODE 94015 // SAN FRANCISCO-OAKLAND-BERKELEY, CA // DATA AS OF 2026-09-30
Daly City, CA (94015) Rental Property Cap Rate & Cash Flow Report
Located in San Mateo County (Daly City, CA), Zip Code 94015 ranks #475 of 500 within this selected sample (5th percentile) with a Zillow ZHVI typical home-value index of $1,169,086 (+4.3% YoY) and a ZORI observed market rent of $2,963/mo (+10.4% YoY). Requires at least 81.1% 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
-$4,513/mo
Annual: -$54,151/yr
Modeled Cap Rate
1.44%
NOI: $16,788/yr
Cash-on-Cash Return
-20.14%
Cash Needed: $268,890
1% Rule Ratio
0.25%
Gross Yield: 3.04%
Break-Even Rent
$8,150/mo
State Tax: 0.71%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 94015 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (CA Avg 0.71%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$5,912/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$1,564/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (94015)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2021 | $1,153,791 | $2,386/mo | 2.48% |
| 2022 | $1,202,740 | $2,496/mo | 2.49% |
| 2023 | $1,143,588 | $2,601/mo | 2.73% |
| 2024 | $1,173,027 | $2,606/mo | 2.67% |
| 2025 | $1,120,571 | $2,683/mo | 2.87% |
| 2026 | $1,169,086 | $2,963/mo | 3.04% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 90250 Hawthorne, CA | $861,531 | $2,153/mo | 1.40% | -$3,352/mo |
| 92804 Anaheim, CA | $936,120 | $2,337/mo | 1.40% | -$3,644/mo |
| 92627 Costa Mesa, CA | $1,365,513 | $3,408/mo | 1.40% | -$5,317/mo |
| 92020 El Cajon, CA | $824,128 | $2,124/mo | 1.48% | -$3,150/mo |
| 92683 Westminster, CA | $1,093,863 | $2,851/mo | 1.51% | -$4,154/mo |
| 94501 Alameda, CA | $1,147,274 | $2,825/mo | 1.36% | -$4,500/mo |