ZIP CODE 92201 // RIVERSIDE-SAN BERNARDINO-ONTARIO, CA // DATA AS OF 2026-09-30
Indio, CA (92201) Rental Property Cap Rate & Cash Flow Report
Located in Riverside County (Indio, CA), Zip Code 92201 ranks #150 of 500 within this selected sample (70th percentile) with a Zillow ZHVI typical home-value index of $463,201 (-0.3% YoY) and a ZORI observed market rent of $2,271/mo (+0.5% YoY). Requires at least 48.5% 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
-$834/mo
Annual: -$10,002/yr
Modeled Cap Rate
3.91%
NOI: $18,104/yr
Cash-on-Cash Return
-9.39%
Cash Needed: $106,536
1% Rule Ratio
0.49%
Gross Yield: 5.88%
Break-Even Rent
$3,229/mo
State Tax: 0.71%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 92201 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (CA Avg 0.71%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$2,342/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$762/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (92201)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2021 | $384,819 | $1,714/mo | 5.34% |
| 2022 | $480,080 | $2,010/mo | 5.02% |
| 2023 | $465,298 | $2,190/mo | 5.65% |
| 2024 | $476,361 | $2,252/mo | 5.67% |
| 2025 | $464,748 | $2,260/mo | 5.84% |
| 2026 | $463,201 | $2,271/mo | 5.88% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 95823 Sacramento, CA | $421,389 | $2,069/mo | 3.92% | -$756/mo |
| 93309 Bakersfield, CA | $343,293 | $1,677/mo | 3.89% | -$623/mo |
| 92336 Fontana, CA | $695,692 | $3,466/mo | 3.99% | -$1,204/mo |
| 93306 Bakersfield, CA | $346,380 | $1,664/mo | 3.81% | -$653/mo |
| 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 |