ZIP CODE 92020 // SAN DIEGO-CHULA VISTA-CARLSBAD, CA // DATA AS OF 2026-09-30
El Cajon, CA (92020) Rental Property Cap Rate & Cash Flow Report
Located in San Diego County (El Cajon, CA), Zip Code 92020 ranks #473 of 500 within this selected sample (6th percentile) with a Zillow ZHVI typical home-value index of $824,128 (+0.3% YoY) and a ZORI observed market rent of $2,124/mo (-0.2% YoY). Requires at least 80.5% 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
-$3,150/mo
Annual: -$37,804/yr
Modeled Cap Rate
1.48%
NOI: $12,203/yr
Cash-on-Cash Return
-19.94%
Cash Needed: $189,549
1% Rule Ratio
0.26%
Gross Yield: 3.09%
Break-Even Rent
$5,745/mo
State Tax: 0.71%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 92020 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (CA Avg 0.71%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$4,167/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$1,107/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (92020)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2021 | $698,567 | $1,686/mo | 2.90% |
| 2022 | $782,247 | $1,921/mo | 2.95% |
| 2023 | $799,326 | $2,034/mo | 3.05% |
| 2024 | $849,880 | $2,051/mo | 2.90% |
| 2025 | $821,924 | $2,127/mo | 3.11% |
| 2026 | $824,128 | $2,124/mo | 3.09% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 92683 Westminster, CA | $1,093,863 | $2,851/mo | 1.51% | -$4,154/mo |
| 95035 Milpitas, CA | $1,384,570 | $3,614/mo | 1.52% | -$5,253/mo |
| 94015 Daly City, CA | $1,169,086 | $2,963/mo | 1.44% | -$4,513/mo |
| 94538 Fremont, CA | $1,254,332 | $3,296/mo | 1.53% | -$4,740/mo |
| 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 |