ZIP CODE 95747 // SACRAMENTO-ROSEVILLE-FOLSOM, CA // DATA AS OF 2026-09-30
Roseville, CA (95747) Rental Property Cap Rate & Cash Flow Report
Located in Placer County (Roseville, CA), Zip Code 95747 ranks #225 of 500 within this selected sample (55th percentile) with a Zillow ZHVI typical home-value index of $664,852 (+0.8% YoY) and a ZORI observed market rent of $2,883/mo (+2.4% YoY). Requires at least 56.3% 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
-$1,524/mo
Annual: -$18,288/yr
Modeled Cap Rate
3.32%
NOI: $22,055/yr
Cash-on-Cash Return
-11.96%
Cash Needed: $152,916
1% Rule Ratio
0.43%
Gross Yield: 5.20%
Break-Even Rent
$4,635/mo
State Tax: 0.71%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 95747 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (CA Avg 0.71%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$3,362/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$1,045/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (95747)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2021 | $633,426 | $2,641/mo | 5.00% |
| 2022 | $693,596 | $2,689/mo | 4.65% |
| 2023 | $650,734 | $2,724/mo | 5.02% |
| 2024 | $666,992 | $2,813/mo | 5.06% |
| 2025 | $659,869 | $2,816/mo | 5.12% |
| 2026 | $664,852 | $2,883/mo | 5.20% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 95624 Elk Grove, CA | $626,728 | $2,720/mo | 3.32% | -$1,435/mo |
| 94565 Pittsburg, CA | $559,194 | $2,429/mo | 3.32% | -$1,278/mo |
| 95355 Modesto, CA | $485,048 | $2,112/mo | 3.34% | -$1,104/mo |
| 94533 Fairfield, CA | $532,198 | $2,318/mo | 3.34% | -$1,211/mo |
| 92509 Jurupa Valley, CA | $632,779 | $2,723/mo | 3.28% | -$1,469/mo |
| 94513 Brentwood, CA | $781,518 | $3,420/mo | 3.36% | -$1,764/mo |