ZIP CODE 22407 // WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV // DATA AS OF 2026-09-30
Fredericksburg, VA (22407) Rental Property Cap Rate & Cash Flow Report
Located in Spotsylvania County (Fredericksburg, VA), Zip Code 22407 ranks #208 of 500 within this selected sample (59th percentile) with a Zillow ZHVI typical home-value index of $463,031 (+0.7% YoY) and a ZORI observed market rent of $2,102/mo (+3.5% YoY). Requires at least 54.9% 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
-$1,022/mo
Annual: -$12,263/yr
Modeled Cap Rate
3.42%
NOI: $15,833/yr
Cash-on-Cash Return
-11.52%
Cash Needed: $106,497
1% Rule Ratio
0.45%
Gross Yield: 5.45%
Break-Even Rent
$3,277/mo
State Tax: 0.82%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 22407 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (VA Avg 0.82%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$2,341/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$783/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (22407)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2022 | $414,791 | $1,772/mo | 5.13% |
| 2023 | $430,624 | $1,854/mo | 5.17% |
| 2024 | $452,970 | $1,988/mo | 5.27% |
| 2025 | $459,708 | $2,030/mo | 5.30% |
| 2026 | $463,031 | $2,102/mo | 5.45% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 22193 Woodbridge, VA | $502,165 | $2,295/mo | 3.45% | -$1,095/mo |
| 22191 Woodbridge, VA | $480,592 | $2,158/mo | 3.37% | -$1,081/mo |
| 23456 Virginia Beach, VA | $554,166 | $2,670/mo | 3.71% | -$1,089/mo |
| 22554 Stafford, VA | $557,702 | $2,363/mo | 3.10% | -$1,378/mo |
| 23464 Virginia Beach, VA | $405,275 | $2,027/mo | 3.90% | -$732/mo |
| 23322 Chesapeake, VA | $551,442 | $2,846/mo | 4.07% | -$919/mo |