ZIP CODE 91730 // RIVERSIDE-SAN BERNARDINO-ONTARIO, CA // DATA AS OF 2026-09-30
Rancho Cucamonga, CA (91730) Rental Property Cap Rate & Cash Flow Report
Located in San Bernardino County (Rancho Cucamonga, CA), Zip Code 91730 ranks #260 of 500 within this selected sample (48th percentile) with a Zillow ZHVI typical home-value index of $670,306 (-0.1% YoY) and a ZORI observed market rent of $2,740/mo (+2.5% YoY). Requires at least 59.7% 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
-$1,682/mo
Annual: -$20,179/yr
Modeled Cap Rate
3.06%
NOI: $20,495/yr
Cash-on-Cash Return
-13.09%
Cash Needed: $154,170
1% Rule Ratio
0.41%
Gross Yield: 4.91%
Break-Even Rent
$4,673/mo
State Tax: 0.71%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 91730 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (CA Avg 0.71%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$3,389/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$1,032/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (91730)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2021 | $555,233 | $2,548/mo | 5.51% |
| 2022 | $636,427 | $2,624/mo | 4.95% |
| 2023 | $632,921 | $2,649/mo | 5.02% |
| 2024 | $669,117 | $2,646/mo | 4.75% |
| 2025 | $671,178 | $2,672/mo | 4.78% |
| 2026 | $670,306 | $2,740/mo | 4.91% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 92563 Murrieta, CA | $688,380 | $2,831/mo | 3.08% | -$1,712/mo |
| 95076 Watsonville, CA | $823,234 | $3,332/mo | 3.02% | -$2,094/mo |
| 90011 Los Angeles, CA | $600,313 | $2,418/mo | 3.00% | -$1,537/mo |
| 92530 Lake Elsinore, CA | $559,000 | $2,239/mo | 2.97% | -$1,442/mo |
| 91706 Baldwin Park, CA | $709,075 | $2,959/mo | 3.15% | -$1,726/mo |
| 91710 Chino, CA | $756,530 | $3,027/mo | 2.97% | -$1,955/mo |