ZIP CODE 95023 // SAN JOSE-SUNNYVALE-SANTA CLARA, CA // DATA AS OF 2026-09-30
Hollister, CA (95023) Rental Property Cap Rate & Cash Flow Report
Located in San Benito County (Hollister, CA), Zip Code 95023 ranks #323 of 500 within this selected sample (36th percentile) with a Zillow ZHVI typical home-value index of $755,869 (+0.1% YoY) and a ZORI observed market rent of $2,872/mo (+2.7% YoY). Requires at least 63.7% 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
-$2,086/mo
Annual: -$25,027/yr
Modeled Cap Rate
2.76%
NOI: $20,838/yr
Cash-on-Cash Return
-14.40%
Cash Needed: $173,850
1% Rule Ratio
0.38%
Gross Yield: 4.56%
Break-Even Rent
$5,269/mo
State Tax: 0.71%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 95023 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (CA Avg 0.71%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$3,822/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$1,136/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (95023)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2023 | $763,990 | $2,585/mo | 4.06% |
| 2024 | $768,707 | $2,689/mo | 4.20% |
| 2025 | $754,895 | $2,795/mo | 4.44% |
| 2026 | $755,869 | $2,872/mo | 4.56% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 91761 Ontario, CA | $679,091 | $2,587/mo | 2.77% | -$1,868/mo |
| 92503 Riverside, CA | $632,547 | $2,388/mo | 2.73% | -$1,759/mo |
| 92324 Colton, CA | $500,440 | $1,929/mo | 2.81% | -$1,357/mo |
| 90001 Florence-Graham, CA | $594,881 | $2,304/mo | 2.83% | -$1,603/mo |
| 92114 San Diego, CA | $737,487 | $2,857/mo | 2.83% | -$1,987/mo |
| 93033 Oxnard, CA | $704,468 | $2,733/mo | 2.84% | -$1,895/mo |