ZIP CODE 91977 // SAN DIEGO-CHULA VISTA-CARLSBAD, CA // DATA AS OF 2026-09-30
Spring Valley, CA (91977) Rental Property Cap Rate & Cash Flow Report
Located in San Diego County (Spring Valley, CA), Zip Code 91977 ranks #413 of 500 within this selected sample (18th percentile) with a Zillow ZHVI typical home-value index of $762,925 (+1.1% YoY) and a ZORI observed market rent of $2,425/mo (+3.4% YoY). Requires at least 72.2% 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
-$2,517/mo
Annual: -$30,208/yr
Modeled Cap Rate
2.11%
NOI: $16,085/yr
Cash-on-Cash Return
-17.22%
Cash Needed: $175,473
1% Rule Ratio
0.32%
Gross Yield: 3.81%
Break-Even Rent
$5,319/mo
State Tax: 0.71%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 91977 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (CA Avg 0.71%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$3,858/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$1,085/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (91977)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2022 | $722,279 | $2,065/mo | 3.43% |
| 2023 | $732,208 | $2,219/mo | 3.64% |
| 2024 | $779,512 | $2,272/mo | 3.50% |
| 2025 | $754,742 | $2,345/mo | 3.73% |
| 2026 | $762,925 | $2,425/mo | 3.81% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 91709 Chino Hills, CA | $973,347 | $3,088/mo | 2.10% | -$3,217/mo |
| 91402 Los Angeles, CA | $692,980 | $2,208/mo | 2.12% | -$2,282/mo |
| 95608 Carmichael, CA | $563,163 | $1,784/mo | 2.10% | -$1,863/mo |
| 90731 Los Angeles, CA | $822,360 | $2,588/mo | 2.08% | -$2,736/mo |
| 91335 Los Angeles, CA | $786,164 | $2,531/mo | 2.15% | -$2,566/mo |
| 92703 Santa Ana, CA | $818,104 | $2,554/mo | 2.05% | -$2,740/mo |