ZIP CODE 92407 // RIVERSIDE-SAN BERNARDINO-ONTARIO, CA // DATA AS OF 2026-09-30
San Bernardino, CA (92407) Rental Property Cap Rate & Cash Flow Report
Located in San Bernardino County (San Bernardino, CA), Zip Code 92407 ranks #296 of 500 within this selected sample (41th percentile) with a Zillow ZHVI typical home-value index of $544,058 (+1.7% YoY) and a ZORI observed market rent of $2,125/mo (+2.7% YoY). Requires at least 62.2% 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
-$1,451/mo
Annual: -$17,411/yr
Modeled Cap Rate
2.87%
NOI: $15,602/yr
Cash-on-Cash Return
-13.91%
Cash Needed: $125,133
1% Rule Ratio
0.39%
Gross Yield: 4.69%
Break-Even Rent
$3,793/mo
State Tax: 0.71%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 92407 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (CA Avg 0.71%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$2,751/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$825/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (92407)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2022 | $506,685 | $1,834/mo | 4.34% |
| 2023 | $509,370 | $1,921/mo | 4.53% |
| 2024 | $542,573 | $2,061/mo | 4.56% |
| 2025 | $535,139 | $2,068/mo | 4.64% |
| 2026 | $544,058 | $2,125/mo | 4.69% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 92507 Riverside, CA | $600,967 | $2,346/mo | 2.87% | -$1,604/mo |
| 92115 San Diego, CA | $844,313 | $3,293/mo | 2.86% | -$2,256/mo |
| 93033 Oxnard, CA | $704,468 | $2,733/mo | 2.84% | -$1,895/mo |
| 92114 San Diego, CA | $737,487 | $2,857/mo | 2.83% | -$1,987/mo |
| 90001 Florence-Graham, CA | $594,881 | $2,304/mo | 2.83% | -$1,603/mo |
| 92324 Colton, CA | $500,440 | $1,929/mo | 2.81% | -$1,357/mo |