ZIP CODE 95355 // MODESTO, CA // DATA AS OF 2026-09-30
Modesto, CA (95355) Rental Property Cap Rate & Cash Flow Report
Located in Stanislaus County (Modesto, CA), Zip Code 95355 ranks #220 of 500 within this selected sample (56th percentile) with a Zillow ZHVI typical home-value index of $485,048 (+0.3% YoY) and a ZORI observed market rent of $2,112/mo (+2.6% YoY). Requires at least 56.0% 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
-$1,104/mo
Annual: -$13,252/yr
Modeled Cap Rate
3.34%
NOI: $16,180/yr
Cash-on-Cash Return
-11.88%
Cash Needed: $111,561
1% Rule Ratio
0.44%
Gross Yield: 5.23%
Break-Even Rent
$3,381/mo
State Tax: 0.71%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 95355 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (CA Avg 0.71%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$2,453/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$764/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (95355)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2021 | $442,500 | $1,726/mo | 4.68% |
| 2022 | $488,165 | $1,866/mo | 4.59% |
| 2023 | $471,189 | $1,947/mo | 4.96% |
| 2024 | $489,124 | $1,988/mo | 4.88% |
| 2025 | $483,534 | $2,058/mo | 5.11% |
| 2026 | $485,048 | $2,112/mo | 5.23% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 94533 Fairfield, CA | $532,198 | $2,318/mo | 3.34% | -$1,211/mo |
| 94565 Pittsburg, CA | $559,194 | $2,429/mo | 3.32% | -$1,278/mo |
| 95624 Elk Grove, CA | $626,728 | $2,720/mo | 3.32% | -$1,435/mo |
| 95747 Roseville, CA | $664,852 | $2,883/mo | 3.32% | -$1,524/mo |
| 94513 Brentwood, CA | $781,518 | $3,420/mo | 3.36% | -$1,764/mo |
| 94509 Antioch, CA | $536,330 | $2,348/mo | 3.36% | -$1,210/mo |