ZIP CODE 02169 // BOSTON-CAMBRIDGE-NEWTON, MA-NH // DATA AS OF 2026-09-30
Quincy, MA (02169) Rental Property Cap Rate & Cash Flow Report
Located in Norfolk County (Quincy, MA), Zip Code 02169 ranks #290 of 500 within this selected sample (42th percentile) with a Zillow ZHVI typical home-value index of $632,884 (+2.1% YoY) and a ZORI observed market rent of $2,687/mo (+0.5% YoY). Requires at least 61.9% 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
-$1,675/mo
Annual: -$20,096/yr
Modeled Cap Rate
2.89%
NOI: $18,306/yr
Cash-on-Cash Return
-13.81%
Cash Needed: $145,563
1% Rule Ratio
0.42%
Gross Yield: 5.09%
Break-Even Rent
$4,612/mo
State Tax: 1.04%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 02169 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (MA Avg 1.04%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$3,200/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$1,161/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (02169)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2021 | $531,425 | $2,199/mo | 4.97% |
| 2022 | $574,047 | $2,411/mo | 5.04% |
| 2023 | $591,802 | $2,522/mo | 5.11% |
| 2024 | $623,918 | $2,616/mo | 5.03% |
| 2025 | $619,628 | $2,674/mo | 5.18% |
| 2026 | $632,884 | $2,687/mo | 5.09% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 02301 Brockton, MA | $514,649 | $2,239/mo | 3.00% | -$1,315/mo |
| 02148 Malden, MA | $666,917 | $2,926/mo | 3.04% | -$1,683/mo |
| 02155 Medford, MA | $817,590 | $3,663/mo | 3.14% | -$1,997/mo |
| 78249 San Antonio, TX | $298,882 | $1,393/mo | 2.90% | -$790/mo |
| 33157 Village of Palmetto Bay, FL | $627,146 | $2,515/mo | 2.90% | -$1,657/mo |
| 20011 Washington, DC | $600,241 | $2,275/mo | 2.89% | -$1,591/mo |