ZIP CODE 95758 // SACRAMENTO-ROSEVILLE-FOLSOM, CA // DATA AS OF 2026-09-30
Elk Grove, CA (95758) Rental Property Cap Rate & Cash Flow Report
Located in Sacramento County (Elk Grove, CA), Zip Code 95758 ranks #205 of 500 within this selected sample (59th percentile) with a Zillow ZHVI typical home-value index of $567,194 (-1.5% YoY) and a ZORI observed market rent of $2,521/mo (+1.2% YoY). Requires at least 54.8% 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
-$1,247/mo
Annual: -$14,960/yr
Modeled Cap Rate
3.43%
NOI: $19,456/yr
Cash-on-Cash Return
-11.47%
Cash Needed: $130,455
1% Rule Ratio
0.44%
Gross Yield: 5.33%
Break-Even Rent
$3,954/mo
State Tax: 0.71%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 95758 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (CA Avg 0.71%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$2,868/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$900/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (95758)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2021 | $546,102 | $2,181/mo | 4.79% |
| 2022 | $608,314 | $2,323/mo | 4.58% |
| 2023 | $576,383 | $2,349/mo | 4.89% |
| 2024 | $598,713 | $2,423/mo | 4.86% |
| 2025 | $576,076 | $2,492/mo | 5.19% |
| 2026 | $567,194 | $2,521/mo | 5.33% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 92553 Moreno Valley, CA | $518,186 | $2,300/mo | 3.42% | -$1,142/mo |
| 93257 Porterville, CA | $327,265 | $1,475/mo | 3.50% | -$702/mo |
| 94509 Antioch, CA | $536,330 | $2,348/mo | 3.36% | -$1,210/mo |
| 94513 Brentwood, CA | $781,518 | $3,420/mo | 3.36% | -$1,764/mo |
| 94533 Fairfield, CA | $532,198 | $2,318/mo | 3.34% | -$1,211/mo |
| 95355 Modesto, CA | $485,048 | $2,112/mo | 3.34% | -$1,104/mo |