ZIP CODE 92592 // RIVERSIDE-SAN BERNARDINO-ONTARIO, CA // DATA AS OF 2026-09-30
Temecula, CA (92592) Rental Property Cap Rate & Cash Flow Report
Located in Riverside County (Temecula, CA), Zip Code 92592 ranks #238 of 500 within this selected sample (53th percentile) with a Zillow ZHVI typical home-value index of $764,225 (+0.6% YoY) and a ZORI observed market rent of $3,251/mo (+2.9% YoY). Requires at least 57.4% 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
-$1,807/mo
Annual: -$21,679/yr
Modeled Cap Rate
3.23%
NOI: $24,693/yr
Cash-on-Cash Return
-12.33%
Cash Needed: $175,772
1% Rule Ratio
0.43%
Gross Yield: 5.10%
Break-Even Rent
$5,327/mo
State Tax: 0.71%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 92592 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (CA Avg 0.71%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$3,864/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$1,193/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (92592)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2021 | $654,241 | $2,773/mo | 5.09% |
| 2022 | $745,734 | $2,928/mo | 4.71% |
| 2023 | $730,392 | $3,030/mo | 4.98% |
| 2024 | $771,208 | $3,138/mo | 4.88% |
| 2025 | $759,507 | $3,160/mo | 4.99% |
| 2026 | $764,225 | $3,251/mo | 5.10% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 92509 Jurupa Valley, CA | $632,779 | $2,723/mo | 3.28% | -$1,469/mo |
| 94806 San Pablo, CA | $571,391 | $2,401/mo | 3.18% | -$1,377/mo |
| 91706 Baldwin Park, CA | $709,075 | $2,959/mo | 3.15% | -$1,726/mo |
| 95747 Roseville, CA | $664,852 | $2,883/mo | 3.32% | -$1,524/mo |
| 95624 Elk Grove, CA | $626,728 | $2,720/mo | 3.32% | -$1,435/mo |
| 94565 Pittsburg, CA | $559,194 | $2,429/mo | 3.32% | -$1,278/mo |