ZIP CODE 92553 // RIVERSIDE-SAN BERNARDINO-ONTARIO, CA // DATA AS OF 2026-09-30
Moreno Valley, CA (92553) Rental Property Cap Rate & Cash Flow Report
Located in Riverside County (Moreno Valley, CA), Zip Code 92553 ranks #206 of 500 within this selected sample (59th percentile) with a Zillow ZHVI typical home-value index of $518,186 (+1.6% YoY) and a ZORI observed market rent of $2,300/mo (+3.4% YoY). Requires at least 54.9% 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
-$1,142/mo
Annual: -$13,701/yr
Modeled Cap Rate
3.42%
NOI: $17,742/yr
Cash-on-Cash Return
-11.50%
Cash Needed: $119,183
1% Rule Ratio
0.44%
Gross Yield: 5.33%
Break-Even Rent
$3,612/mo
State Tax: 0.71%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 92553 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (CA Avg 0.71%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$2,620/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$822/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (92553)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2021 | $420,756 | $1,960/mo | 5.59% |
| 2022 | $494,086 | $2,142/mo | 5.20% |
| 2023 | $496,059 | $2,133/mo | 5.16% |
| 2024 | $527,570 | $2,246/mo | 5.11% |
| 2025 | $509,944 | $2,224/mo | 5.23% |
| 2026 | $518,186 | $2,300/mo | 5.33% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 95758 Elk Grove, CA | $567,194 | $2,521/mo | 3.43% | -$1,247/mo |
| 94509 Antioch, CA | $536,330 | $2,348/mo | 3.36% | -$1,210/mo |
| 94513 Brentwood, CA | $781,518 | $3,420/mo | 3.36% | -$1,764/mo |
| 93257 Porterville, CA | $327,265 | $1,475/mo | 3.50% | -$702/mo |
| 94533 Fairfield, CA | $532,198 | $2,318/mo | 3.34% | -$1,211/mo |
| 95355 Modesto, CA | $485,048 | $2,112/mo | 3.34% | -$1,104/mo |