ZIP CODE 85364 // YUMA, AZ // DATA AS OF 2026-09-30
Yuma, AZ (85364) Rental Property Cap Rate & Cash Flow Report
Located in Yuma County (Yuma, AZ), Zip Code 85364 ranks #130 of 500 within this selected sample (74th percentile) with a Zillow ZHVI typical home-value index of $260,227 (-0.3% YoY) and a ZORI observed market rent of $1,280/mo (+4.7% YoY). Requires at least 45.7% 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
-$423/mo
Annual: -$5,081/yr
Modeled Cap Rate
4.12%
NOI: $10,709/yr
Cash-on-Cash Return
-8.49%
Cash Needed: $59,852
1% Rule Ratio
0.49%
Gross Yield: 5.90%
Break-Even Rent
$1,767/mo
State Tax: 0.52%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 85364 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (AZ Avg 0.52%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$1,316/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$388/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (85364)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2022 | $245,433 | $1,127/mo | 5.51% |
| 2023 | $248,325 | $1,164/mo | 5.62% |
| 2024 | $257,830 | $1,197/mo | 5.57% |
| 2025 | $261,108 | $1,223/mo | 5.62% |
| 2026 | $260,227 | $1,280/mo | 5.90% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 85345 Peoria, AZ | $360,914 | $1,814/mo | 4.23% | -$554/mo |
| 85365 Yuma, AZ | $326,584 | $1,648/mo | 4.25% | -$495/mo |
| 85326 Buckeye, AZ | $366,948 | $1,924/mo | 4.45% | -$494/mo |
| 85122 Casa Grande, AZ | $305,381 | $1,664/mo | 4.67% | -$356/mo |
| 85225 Chandler, AZ | $438,217 | $1,754/mo | 3.16% | -$1,062/mo |
| 85212 Mesa, AZ | $553,659 | $2,199/mo | 3.13% | -$1,357/mo |