ZIP CODE 95828 // SACRAMENTO-ROSEVILLE-FOLSOM, CA // DATA AS OF 2026-09-30
Florin, CA (95828) Rental Property Cap Rate & Cash Flow Report
Located in Sacramento County (Florin, CA), Zip Code 95828 ranks #109 of 500 nationally (78th percentile) with a Zillow ZHVI typical acquisition price of $449,666 (+0.1% YoY) and a ZORI observed market rent of $2,366/mo (+1.1% YoY). Requires at least 43.5% down payment at 6.5% interest to reach $0/mo break-even cash flow.
Net Monthly Cash Flow
-$668/mo
Annual: -$8,021/yr
Net Cap Rate
4.28%
NOI: $19,265/yr
Cash-on-Cash Return
-7.76%
Cash Needed: $103,423
1% Rule Ratio
0.53%
Gross Yield: 6.32%
Break-Even Rent
$3,135/mo
State Tax: 0.71%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 95828 BENCHMARK)
Edit any value
Purchase Price (ZHVI Median)
Monthly Gross Rent (ZORI Median)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (CA Avg 0.71%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$2,274/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$761/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (95828)
| Year | Median Price | Median Rent | Gross Yield |
|---|---|---|---|
| 2024 | $462,484 | $2,273/mo | 5.90% |
| 2025 | $449,112 | $2,341/mo | 6.25% |
| 2026 | $449,666 | $2,366/mo | 6.32% |
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 |
| 92392 Victorville, CA | $451,013 | $2,365/mo | 4.27% | -$677/mo |
| 93727 Fresno, CA | $426,525 | $2,296/mo | 4.41% | -$589/mo |
| 93550 Palmdale, CA | $447,173 | $2,406/mo | 4.41% | -$619/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 |