ZIP CODE 92336 // RIVERSIDE-SAN BERNARDINO-ONTARIO, CA // DATA AS OF 2026-09-30
Fontana, CA (92336) Rental Property Cap Rate & Cash Flow Report
Located in San Bernardino County (Fontana, CA), Zip Code 92336 ranks #142 of 500 within this selected sample (72th percentile) with a Zillow ZHVI typical home-value index of $695,692 (+0.2% YoY) and a ZORI observed market rent of $3,466/mo (+2.5% YoY). Requires at least 47.4% 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
-$1,204/mo
Annual: -$14,446/yr
Modeled Cap Rate
3.99%
NOI: $27,768/yr
Cash-on-Cash Return
-9.03%
Cash Needed: $160,009
1% Rule Ratio
0.50%
Gross Yield: 5.98%
Break-Even Rent
$4,850/mo
State Tax: 0.71%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 92336 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (CA Avg 0.71%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$3,518/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$1,152/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (92336)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2022 | $675,079 | $3,026/mo | 5.38% |
| 2023 | $666,133 | $3,229/mo | 5.82% |
| 2024 | $711,384 | $3,285/mo | 5.54% |
| 2025 | $694,092 | $3,380/mo | 5.84% |
| 2026 | $695,692 | $3,466/mo | 5.98% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 92584 Menifee, CA | $625,741 | $3,135/mo | 4.02% | -$1,068/mo |
| 93274 Tulare, CA | $357,011 | $1,792/mo | 4.03% | -$606/mo |
| 93536 Lancaster, CA | $533,090 | $2,687/mo | 4.05% | -$895/mo |
| 95823 Sacramento, CA | $421,389 | $2,069/mo | 3.92% | -$756/mo |
| 92201 Indio, CA | $463,201 | $2,271/mo | 3.91% | -$834/mo |
| 93309 Bakersfield, CA | $343,293 | $1,677/mo | 3.89% | -$623/mo |