ZIP CODE 94541 // SAN FRANCISCO-OAKLAND-BERKELEY, CA // DATA AS OF 2026-09-30
Hayward, CA (94541) Rental Property Cap Rate & Cash Flow Report
Located in Alameda County (Hayward, CA), Zip Code 94541 ranks #368 of 500 within this selected sample (27th percentile) with a Zillow ZHVI typical home-value index of $759,862 (-1.4% YoY) and a ZORI observed market rent of $2,691/mo (+3.8% YoY). Requires at least 67.2% 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
-$2,267/mo
Annual: -$27,207/yr
Modeled Cap Rate
2.49%
NOI: $18,900/yr
Cash-on-Cash Return
-15.57%
Cash Needed: $174,768
1% Rule Ratio
0.35%
Gross Yield: 4.25%
Break-Even Rent
$5,297/mo
State Tax: 0.71%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 94541 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (CA Avg 0.71%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$3,842/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$1,116/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (94541)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2021 | $791,234 | $2,418/mo | 3.67% |
| 2022 | $831,211 | $2,541/mo | 3.67% |
| 2023 | $791,293 | $2,588/mo | 3.92% |
| 2024 | $822,401 | $2,593/mo | 3.78% |
| 2025 | $770,763 | $2,593/mo | 4.04% |
| 2026 | $759,862 | $2,691/mo | 4.25% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 95630 Folsom, CA | $754,973 | $2,669/mo | 2.48% | -$2,257/mo |
| 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 |
| 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 |