ZIP CODE 92630 // LOS ANGELES-LONG BEACH-ANAHEIM, CA // DATA AS OF 2026-09-30
Lake Forest, CA (92630) Rental Property Cap Rate & Cash Flow Report
Located in Orange County (Lake Forest, CA), Zip Code 92630 ranks #455 of 500 within this selected sample (9th percentile) with a Zillow ZHVI typical home-value index of $1,171,463 (+2.1% YoY) and a ZORI observed market rent of $3,204/mo (+4.9% YoY). Requires at least 78.3% 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
-$4,317/mo
Annual: -$51,807/yr
Modeled Cap Rate
1.65%
NOI: $19,276/yr
Cash-on-Cash Return
-19.23%
Cash Needed: $269,436
1% Rule Ratio
0.27%
Gross Yield: 3.28%
Break-Even Rent
$8,166/mo
State Tax: 0.71%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 92630 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (CA Avg 0.71%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$5,924/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$1,598/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (92630)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2021 | $845,412 | $2,538/mo | 3.60% |
| 2022 | $1,011,331 | $2,879/mo | 3.42% |
| 2023 | $1,037,588 | $2,934/mo | 3.39% |
| 2024 | $1,168,937 | $3,011/mo | 3.09% |
| 2025 | $1,146,944 | $3,055/mo | 3.20% |
| 2026 | $1,171,463 | $3,204/mo | 3.28% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 90255 Huntington Park, CA | $668,582 | $1,807/mo | 1.61% | -$2,483/mo |
| 95123 San Jose, CA | $1,300,855 | $3,503/mo | 1.60% | -$4,842/mo |
| 90706 Bellflower, CA | $793,218 | $2,221/mo | 1.71% | -$2,879/mo |
| 92021 El Cajon, CA | $771,788 | $2,191/mo | 1.75% | -$2,775/mo |
| 94538 Fremont, CA | $1,254,332 | $3,296/mo | 1.53% | -$4,740/mo |
| 95035 Milpitas, CA | $1,384,570 | $3,614/mo | 1.52% | -$5,253/mo |