ZIP CODE 94558 // NAPA, CA // DATA AS OF 2026-09-30
Napa, CA (94558) Rental Property Cap Rate & Cash Flow Report
Located in Napa County (Napa, CA), Zip Code 94558 ranks #402 of 500 within this selected sample (20th percentile) with a Zillow ZHVI typical home-value index of $892,001 (-0.9% YoY) and a ZORI observed market rent of $2,903/mo (+2.3% YoY). Requires at least 71.2% 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
-$2,884/mo
Annual: -$34,611/yr
Modeled Cap Rate
2.19%
NOI: $19,514/yr
Cash-on-Cash Return
-16.87%
Cash Needed: $205,160
1% Rule Ratio
0.33%
Gross Yield: 3.91%
Break-Even Rent
$6,218/mo
State Tax: 0.71%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 94558 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (CA Avg 0.71%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$4,510/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$1,277/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (94558)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2021 | $839,377 | $2,560/mo | 3.66% |
| 2022 | $901,320 | $2,752/mo | 3.66% |
| 2023 | $925,275 | $2,723/mo | 3.53% |
| 2024 | $938,871 | $2,783/mo | 3.56% |
| 2025 | $899,890 | $2,838/mo | 3.78% |
| 2026 | $892,001 | $2,903/mo | 3.91% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 90280 South Gate, CA | $696,546 | $2,264/mo | 2.18% | -$2,255/mo |
| 93065 Simi Valley, CA | $831,073 | $2,716/mo | 2.20% | -$2,677/mo |
| 94544 Hayward, CA | $804,006 | $2,637/mo | 2.21% | -$2,582/mo |
| 91335 Los Angeles, CA | $786,164 | $2,531/mo | 2.15% | -$2,566/mo |
| 92105 San Diego, CA | $683,243 | $2,248/mo | 2.22% | -$2,188/mo |
| 91402 Los Angeles, CA | $692,980 | $2,208/mo | 2.12% | -$2,282/mo |