ZIP CODE 92335 // RIVERSIDE-SAN BERNARDINO-ONTARIO, CA // DATA AS OF 2026-09-30
Fontana, CA (92335) Rental Property Cap Rate & Cash Flow Report
Located in San Bernardino County (Fontana, CA), Zip Code 92335 ranks #192 of 500 within this selected sample (62th percentile) with a Zillow ZHVI typical home-value index of $563,508 (+1.3% YoY) and a ZORI observed market rent of $2,570/mo (+3.5% YoY). Requires at least 53.2% 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
-$1,182/mo
Annual: -$14,181/yr
Modeled Cap Rate
3.55%
NOI: $20,012/yr
Cash-on-Cash Return
-10.94%
Cash Needed: $129,607
1% Rule Ratio
0.46%
Gross Yield: 5.47%
Break-Even Rent
$3,928/mo
State Tax: 0.71%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 92335 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (CA Avg 0.71%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$2,849/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$902/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (92335)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2022 | $520,660 | $2,141/mo | 4.93% |
| 2023 | $530,802 | $2,272/mo | 5.14% |
| 2024 | $569,859 | $2,356/mo | 4.96% |
| 2025 | $556,532 | $2,483/mo | 5.35% |
| 2026 | $563,508 | $2,570/mo | 5.47% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 90003 Los Angeles, CA | $601,223 | $2,752/mo | 3.57% | -$1,252/mo |
| 92376 Rialto, CA | $564,033 | $2,591/mo | 3.59% | -$1,167/mo |
| 95687 Vacaville, CA | $575,148 | $2,652/mo | 3.60% | -$1,181/mo |
| 93257 Porterville, CA | $327,265 | $1,475/mo | 3.50% | -$702/mo |
| 92345 Hesperia, CA | $447,288 | $2,075/mo | 3.63% | -$907/mo |
| 93291 Visalia, CA | $426,473 | $1,983/mo | 3.64% | -$861/mo |