ZIP CODE 92376 // RIVERSIDE-SAN BERNARDINO-ONTARIO, CA // DATA AS OF 2026-09-30
Rialto, CA (92376) Rental Property Cap Rate & Cash Flow Report
Located in San Bernardino County (Rialto, CA), Zip Code 92376 ranks #187 of 500 within this selected sample (63th percentile) with a Zillow ZHVI typical home-value index of $564,033 (+1.9% YoY) and a ZORI observed market rent of $2,591/mo (+3.1% YoY). Requires at least 52.7% 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
-$1,167/mo
Annual: -$14,000/yr
Modeled Cap Rate
3.59%
NOI: $20,225/yr
Cash-on-Cash Return
-10.79%
Cash Needed: $129,728
1% Rule Ratio
0.46%
Gross Yield: 5.51%
Break-Even Rent
$3,932/mo
State Tax: 0.71%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 92376 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (CA Avg 0.71%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$2,852/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$906/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (92376)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2022 | $518,497 | $2,284/mo | 5.29% |
| 2023 | $528,034 | $2,347/mo | 5.33% |
| 2024 | $561,954 | $2,447/mo | 5.23% |
| 2025 | $553,358 | $2,512/mo | 5.45% |
| 2026 | $564,033 | $2,591/mo | 5.51% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 90003 Los Angeles, CA | $601,223 | $2,752/mo | 3.57% | -$1,252/mo |
| 95687 Vacaville, CA | $575,148 | $2,652/mo | 3.60% | -$1,181/mo |
| 92335 Fontana, CA | $563,508 | $2,570/mo | 3.55% | -$1,182/mo |
| 92345 Hesperia, CA | $447,288 | $2,075/mo | 3.63% | -$907/mo |
| 93291 Visalia, CA | $426,473 | $1,983/mo | 3.64% | -$861/mo |
| 93257 Porterville, CA | $327,265 | $1,475/mo | 3.50% | -$702/mo |