ZIP CODE 92677 // LOS ANGELES-LONG BEACH-ANAHEIM, CA // DATA AS OF 2026-09-30
Laguna Niguel, CA (92677) Rental Property Cap Rate & Cash Flow Report
Located in Orange County (Laguna Niguel, CA), Zip Code 92677 ranks #491 of 500 within this selected sample (2th percentile) with a Zillow ZHVI typical home-value index of $1,492,029 (+5.0% YoY) and a ZORI observed market rent of $3,343/mo (+6.8% YoY). Requires at least 85.1% 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
-$6,141/mo
Annual: -$73,686/yr
Modeled Cap Rate
1.13%
NOI: $16,848/yr
Cash-on-Cash Return
-21.47%
Cash Needed: $343,167
1% Rule Ratio
0.22%
Gross Yield: 2.69%
Break-Even Rent
$10,401/mo
State Tax: 0.71%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 92677 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (CA Avg 0.71%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$7,545/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$1,939/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (92677)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2021 | $974,603 | $2,724/mo | 3.35% |
| 2022 | $1,189,727 | $3,007/mo | 3.03% |
| 2023 | $1,245,250 | $3,073/mo | 2.96% |
| 2024 | $1,389,490 | $3,096/mo | 2.67% |
| 2025 | $1,420,407 | $3,130/mo | 2.64% |
| 2026 | $1,492,029 | $3,343/mo | 2.69% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 95051 Santa Clara, CA | $1,792,706 | $3,922/mo | 1.07% | -$7,460/mo |
| 90019 Los Angeles, CA | $1,169,848 | $2,743/mo | 1.24% | -$4,709/mo |
| 92618 Irvine, CA | $1,515,388 | $3,619/mo | 1.28% | -$6,042/mo |
| 94587 Union City, CA | $1,196,418 | $2,913/mo | 1.33% | -$4,722/mo |
| 90026 Los Angeles, CA | $1,140,670 | $2,781/mo | 1.34% | -$4,499/mo |
| 94536 Fremont, CA | $1,375,210 | $3,353/mo | 1.34% | -$5,423/mo |