ZIP CODE 92530 // RIVERSIDE-SAN BERNARDINO-ONTARIO, CA // DATA AS OF 2026-09-30
Lake Elsinore, CA (92530) Rental Property Cap Rate & Cash Flow Report
Located in Riverside County (Lake Elsinore, CA), Zip Code 92530 ranks #275 of 500 within this selected sample (45th percentile) with a Zillow ZHVI typical home-value index of $559,000 (+0.5% YoY) and a ZORI observed market rent of $2,239/mo (+3.1% YoY). Requires at least 60.8% 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
-$1,442/mo
Annual: -$17,308/yr
Modeled Cap Rate
2.97%
NOI: $16,611/yr
Cash-on-Cash Return
-13.46%
Cash Needed: $128,570
1% Rule Ratio
0.40%
Gross Yield: 4.81%
Break-Even Rent
$3,897/mo
State Tax: 0.71%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 92530 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (CA Avg 0.71%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$2,827/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$855/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (92530)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2022 | $551,542 | $1,992/mo | 4.33% |
| 2023 | $542,494 | $2,025/mo | 4.48% |
| 2024 | $571,451 | $2,079/mo | 4.37% |
| 2025 | $556,389 | $2,173/mo | 4.69% |
| 2026 | $559,000 | $2,239/mo | 4.81% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 91710 Chino, CA | $756,530 | $3,027/mo | 2.97% | -$1,955/mo |
| 92154 San Diego, CA | $745,539 | $2,971/mo | 2.95% | -$1,937/mo |
| 90011 Los Angeles, CA | $600,313 | $2,418/mo | 3.00% | -$1,537/mo |
| 95076 Watsonville, CA | $823,234 | $3,332/mo | 3.02% | -$2,094/mo |
| 91744 La Puente, CA | $731,536 | $2,899/mo | 2.93% | -$1,915/mo |
| 91730 Rancho Cucamonga, CA | $670,306 | $2,740/mo | 3.06% | -$1,682/mo |