ZIP CODE 95020 // SAN JOSE-SUNNYVALE-SANTA CLARA, CA // DATA AS OF 2026-09-30
Gilroy, CA (95020) Rental Property Cap Rate & Cash Flow Report
Located in Santa Clara County (Gilroy, CA), Zip Code 95020 ranks #433 of 500 within this selected sample (14th percentile) with a Zillow ZHVI typical home-value index of $1,043,769 (+1.0% YoY) and a ZORI observed market rent of $3,096/mo (+3.9% YoY). Requires at least 75.1% 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
-$3,637/mo
Annual: -$43,642/yr
Modeled Cap Rate
1.89%
NOI: $19,692/yr
Cash-on-Cash Return
-18.18%
Cash Needed: $240,067
1% Rule Ratio
0.30%
Gross Yield: 3.56%
Break-Even Rent
$7,276/mo
State Tax: 0.71%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 95020 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (CA Avg 0.71%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$5,278/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$1,455/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (95020)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2023 | $1,032,035 | $2,797/mo | 3.25% |
| 2024 | $1,076,524 | $2,953/mo | 3.29% |
| 2025 | $1,033,558 | $2,981/mo | 3.46% |
| 2026 | $1,043,769 | $3,096/mo | 3.56% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 90631 La Habra, CA | $931,259 | $2,752/mo | 1.88% | -$3,254/mo |
| 92801 Anaheim, CA | $858,592 | $2,579/mo | 1.93% | -$2,964/mo |
| 90262 Lynwood, CA | $687,368 | $2,072/mo | 1.94% | -$2,366/mo |
| 90805 Long Beach, CA | $711,273 | $2,168/mo | 1.97% | -$2,428/mo |
| 92021 El Cajon, CA | $771,788 | $2,191/mo | 1.75% | -$2,775/mo |
| 92126 San Diego, CA | $979,735 | $3,044/mo | 2.03% | -$3,294/mo |