ZIP CODE 92071 // SAN DIEGO-CHULA VISTA-CARLSBAD, CA // DATA AS OF 2026-09-30
Santee, CA (92071) Rental Property Cap Rate & Cash Flow Report
Located in San Diego County (Santee, CA), Zip Code 92071 ranks #365 of 500 within this selected sample (27th percentile) with a Zillow ZHVI typical home-value index of $799,773 (-1.0% YoY) and a ZORI observed market rent of $2,853/mo (+3.1% YoY). Requires at least 66.9% 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
-$2,368/mo
Annual: -$28,421/yr
Modeled Cap Rate
2.51%
NOI: $20,108/yr
Cash-on-Cash Return
-15.45%
Cash Needed: $183,948
1% Rule Ratio
0.36%
Gross Yield: 4.28%
Break-Even Rent
$5,575/mo
State Tax: 0.71%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 92071 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (CA Avg 0.71%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$4,044/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$1,177/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (92071)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2021 | $679,144 | $2,255/mo | 3.98% |
| 2022 | $767,636 | $2,616/mo | 4.09% |
| 2023 | $783,368 | $2,755/mo | 4.22% |
| 2024 | $834,606 | $2,712/mo | 3.90% |
| 2025 | $808,054 | $2,767/mo | 4.11% |
| 2026 | $799,773 | $2,853/mo | 4.28% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 92704 Santa Ana, CA | $883,776 | $3,164/mo | 2.53% | -$2,607/mo |
| 90044 Los Angeles, CA | $641,836 | $2,303/mo | 2.54% | -$1,889/mo |
| 94541 Hayward, CA | $759,862 | $2,691/mo | 2.49% | -$2,267/mo |
| 95630 Folsom, CA | $754,973 | $2,669/mo | 2.48% | -$2,257/mo |
| 90650 Norwalk, CA | $753,843 | $2,664/mo | 2.48% | -$2,254/mo |
| 91331 Los Angeles, CA | $727,329 | $2,569/mo | 2.48% | -$2,176/mo |