ZIP CODE 19120 // PHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-DE-MD // DATA AS OF 2026-09-30
Philadelphia, PA (19120) Rental Property Cap Rate & Cash Flow Report
Located in Philadelphia County (Philadelphia, PA), Zip Code 19120 ranks #6 of 500 within this selected sample (99th percentile) with a Zillow ZHVI typical home-value index of $166,390 (-3.0% YoY) and a ZORI observed market rent of $1,507/mo (+5.5% YoY). Cash-flow positive at standard 20% down payment (break-even down payment: 0.0%). 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
+$212/mo
Annual: +$2,542/yr
Modeled Cap Rate
7.60%
NOI: $12,638/yr
Cash-on-Cash Return
6.64%
Cash Needed: $38,270
1% Rule Ratio
0.91%
Gross Yield: 10.87%
Break-Even Rent
$1,264/mo
State Tax: 1.36%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 19120 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (PA Avg 1.36%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$841/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$454/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (19120)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2022 | $168,186 | $1,213/mo | 8.65% |
| 2023 | $162,190 | $1,303/mo | 9.64% |
| 2024 | $168,208 | $1,382/mo | 9.86% |
| 2025 | $171,510 | $1,428/mo | 9.99% |
| 2026 | $166,390 | $1,507/mo | 10.87% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 19143 Philadelphia, PA | $144,647 | $1,557/mo | 9.38% | +$399/mo |
| 19124 Philadelphia, PA | $175,793 | $1,275/mo | 5.71% | -$52/mo |
| 17603 Lancaster, PA | $306,967 | $1,510/mo | 3.28% | -$714/mo |
| 19111 Philadelphia, PA | $292,631 | $1,427/mo | 3.23% | -$692/mo |
| 10463 New York, NY | $367,757 | $3,292/mo | 7.45% | +$422/mo |
| 48180 Taylor, MI | $175,458 | $1,518/mo | 7.29% | +$179/mo |