ZIP CODE 92392 // RIVERSIDE-SAN BERNARDINO-ONTARIO, CA // DATA AS OF 2026-09-30
Victorville, CA (92392) Rental Property Cap Rate & Cash Flow Report
Located in San Bernardino County (Victorville, CA), Zip Code 92392 ranks #111 of 500 within this selected sample (78th percentile) with a Zillow ZHVI typical home-value index of $451,013 (+1.1% YoY) and a ZORI observed market rent of $2,365/mo (+6.4% YoY). Requires at least 43.8% 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
-$678/mo
Annual: -$8,133/yr
Modeled Cap Rate
4.26%
NOI: $19,234/yr
Cash-on-Cash Return
-7.84%
Cash Needed: $103,733
1% Rule Ratio
0.52%
Gross Yield: 6.29%
Break-Even Rent
$3,144/mo
State Tax: 0.71%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 92392 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (CA Avg 0.71%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$2,281/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$762/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (92392)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2021 | $391,113 | $1,854/mo | 5.69% |
| 2022 | $448,317 | $2,159/mo | 5.78% |
| 2023 | $437,031 | $2,122/mo | 5.83% |
| 2024 | $457,281 | $2,203/mo | 5.78% |
| 2025 | $446,292 | $2,222/mo | 5.97% |
| 2026 | $451,013 | $2,365/mo | 6.29% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 93230 Hanford, CA | $381,670 | $2,008/mo | 4.28% | -$568/mo |
| 95828 Florin, CA | $449,666 | $2,366/mo | 4.28% | -$669/mo |
| 93550 Palmdale, CA | $447,173 | $2,406/mo | 4.41% | -$619/mo |
| 93727 Fresno, CA | $426,525 | $2,296/mo | 4.41% | -$589/mo |
| 92223 Beaumont, CA | $533,865 | $2,894/mo | 4.45% | -$720/mo |
| 93722 Fresno, CA | $395,002 | $2,143/mo | 4.45% | -$531/mo |