ZIP CODE 91761 // RIVERSIDE-SAN BERNARDINO-ONTARIO, CA // DATA AS OF 2026-09-30
Ontario, CA (91761) Rental Property Cap Rate & Cash Flow Report
Located in San Bernardino County (Ontario, CA), Zip Code 91761 ranks #321 of 500 within this selected sample (36th percentile) with a Zillow ZHVI typical home-value index of $679,091 (-1.0% YoY) and a ZORI observed market rent of $2,587/mo (+2.6% YoY). Requires at least 63.5% 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
-$1,868/mo
Annual: -$22,415/yr
Modeled Cap Rate
2.77%
NOI: $18,791/yr
Cash-on-Cash Return
-14.35%
Cash Needed: $156,191
1% Rule Ratio
0.38%
Gross Yield: 4.57%
Break-Even Rent
$4,734/mo
State Tax: 0.71%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 91761 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (CA Avg 0.71%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$3,434/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$1,021/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (91761)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2021 | $574,305 | $2,154/mo | 4.50% |
| 2022 | $657,062 | $2,343/mo | 4.28% |
| 2023 | $656,226 | $2,349/mo | 4.30% |
| 2024 | $702,309 | $2,453/mo | 4.19% |
| 2025 | $685,640 | $2,523/mo | 4.42% |
| 2026 | $679,091 | $2,587/mo | 4.57% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 95023 Hollister, CA | $755,869 | $2,872/mo | 2.76% | -$2,086/mo |
| 92503 Riverside, CA | $632,547 | $2,388/mo | 2.73% | -$1,759/mo |
| 92324 Colton, CA | $500,440 | $1,929/mo | 2.81% | -$1,357/mo |
| 90001 Florence-Graham, CA | $594,881 | $2,304/mo | 2.83% | -$1,603/mo |
| 92114 San Diego, CA | $737,487 | $2,857/mo | 2.83% | -$1,987/mo |
| 93033 Oxnard, CA | $704,468 | $2,733/mo | 2.84% | -$1,895/mo |