ZIP CODE 95630 // SACRAMENTO-ROSEVILLE-FOLSOM, CA // DATA AS OF 2026-09-30
Folsom, CA (95630) Rental Property Cap Rate & Cash Flow Report
Located in Sacramento County (Folsom, CA), Zip Code 95630 ranks #370 of 500 within this selected sample (26th percentile) with a Zillow ZHVI typical home-value index of $754,973 (0.0% YoY) and a ZORI observed market rent of $2,669/mo (+4.5% YoY). Requires at least 67.3% 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
-$2,257/mo
Annual: -$27,081/yr
Modeled Cap Rate
2.48%
NOI: $18,729/yr
Cash-on-Cash Return
-15.60%
Cash Needed: $173,644
1% Rule Ratio
0.35%
Gross Yield: 4.24%
Break-Even Rent
$5,263/mo
State Tax: 0.71%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 95630 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (CA Avg 0.71%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$3,818/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$1,108/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (95630)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2021 | $736,717 | $2,407/mo | 3.92% |
| 2022 | $799,035 | $2,498/mo | 3.75% |
| 2023 | $761,553 | $2,453/mo | 3.87% |
| 2024 | $776,414 | $2,534/mo | 3.92% |
| 2025 | $755,102 | $2,553/mo | 4.06% |
| 2026 | $754,973 | $2,669/mo | 4.24% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 90650 Norwalk, CA | $753,843 | $2,664/mo | 2.48% | -$2,254/mo |
| 91331 Los Angeles, CA | $727,329 | $2,569/mo | 2.48% | -$2,176/mo |
| 94541 Hayward, CA | $759,862 | $2,691/mo | 2.49% | -$2,267/mo |
| 92071 Santee, CA | $799,773 | $2,853/mo | 2.51% | -$2,368/mo |
| 92704 Santa Ana, CA | $883,776 | $3,164/mo | 2.53% | -$2,607/mo |
| 90044 Los Angeles, CA | $641,836 | $2,303/mo | 2.54% | -$1,889/mo |