ZIP CODE 95206 // STOCKTON, CA // DATA AS OF 2026-09-30
Stockton, CA (95206) Rental Property Cap Rate & Cash Flow Report
Located in San Joaquin County (Stockton, CA), Zip Code 95206 ranks #56 of 500 within this selected sample (89th percentile) with a Zillow ZHVI typical home-value index of $409,950 (-2.0% YoY) and a ZORI observed market rent of $2,420/mo (+1.7% YoY). Requires at least 34.7% 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
-$381/mo
Annual: -$4,571/yr
Modeled Cap Rate
4.95%
NOI: $20,304/yr
Cash-on-Cash Return
-4.85%
Cash Needed: $94,289
1% Rule Ratio
0.59%
Gross Yield: 7.08%
Break-Even Rent
$2,858/mo
State Tax: 0.71%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 95206 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (CA Avg 0.71%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$2,073/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$728/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (95206)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2023 | $423,534 | $2,229/mo | 6.32% |
| 2024 | $435,821 | $2,319/mo | 6.39% |
| 2025 | $418,106 | $2,379/mo | 6.83% |
| 2026 | $409,950 | $2,420/mo | 7.08% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 93313 Bakersfield, CA | $412,222 | $2,375/mo | 4.80% | -$434/mo |
| 93307 Bakersfield, CA | $315,833 | $1,789/mo | 4.70% | -$359/mo |
| 92571 Perris, CA | $527,874 | $2,932/mo | 4.59% | -$651/mo |
| 93535 Lancaster, CA | $425,071 | $2,681/mo | 5.37% | -$246/mo |
| 93722 Fresno, CA | $395,002 | $2,143/mo | 4.45% | -$531/mo |
| 92223 Beaumont, CA | $533,865 | $2,894/mo | 4.45% | -$720/mo |