ZIP CODE 94806 // SAN FRANCISCO-OAKLAND-BERKELEY, CA // DATA AS OF 2026-09-30
San Pablo, CA (94806) Rental Property Cap Rate & Cash Flow Report
Located in Contra Costa County (San Pablo, CA), Zip Code 94806 ranks #244 of 500 within this selected sample (51th percentile) with a Zillow ZHVI typical home-value index of $571,391 (-0.5% YoY) and a ZORI observed market rent of $2,401/mo (0.0% YoY). Requires at least 58.1% 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
-$1,377/mo
Annual: -$16,519/yr
Modeled Cap Rate
3.18%
NOI: $18,152/yr
Cash-on-Cash Return
-12.57%
Cash Needed: $131,420
1% Rule Ratio
0.42%
Gross Yield: 5.04%
Break-Even Rent
$3,983/mo
State Tax: 0.71%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 94806 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (CA Avg 0.71%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$2,889/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$888/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (94806)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2022 | $649,888 | $2,371/mo | 4.38% |
| 2023 | $615,590 | $2,402/mo | 4.68% |
| 2024 | $623,066 | $2,369/mo | 4.56% |
| 2025 | $574,439 | $2,402/mo | 5.02% |
| 2026 | $571,391 | $2,401/mo | 5.04% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 91706 Baldwin Park, CA | $709,075 | $2,959/mo | 3.15% | -$1,726/mo |
| 92592 Temecula, CA | $764,225 | $3,251/mo | 3.23% | -$1,807/mo |
| 92563 Murrieta, CA | $688,380 | $2,831/mo | 3.08% | -$1,712/mo |
| 92509 Jurupa Valley, CA | $632,779 | $2,723/mo | 3.28% | -$1,469/mo |
| 91730 Rancho Cucamonga, CA | $670,306 | $2,740/mo | 3.06% | -$1,682/mo |
| 95747 Roseville, CA | $664,852 | $2,883/mo | 3.32% | -$1,524/mo |