ZIP CODE 92530 // RIVERSIDE-SAN BERNARDINO-ONTARIO, CA // DATA AS OF 2026-09-30
Lake Elsinore, CA (92530) Rental Property Cap Rate & Cash Flow Report
Located in Riverside County (Lake Elsinore, CA), Zip Code 92530 ranks #278 of 500 nationally (45th percentile) with a Zillow ZHVI typical acquisition price of $559,000 (+0.5% YoY) and a ZORI observed market rent of $2,239/mo (+3.1% YoY). Requires at least 60.8% down payment at 6.5% interest to reach $0/mo break-even cash flow.
Net Monthly Cash Flow
-$1,442/mo
Annual: -$17,305/yr
Net Cap Rate
2.97%
NOI: $16,614/yr
Cash-on-Cash Return
-13.46%
Cash Needed: $128,570
1% Rule Ratio
0.40%
Gross Yield: 4.81%
Break-Even Rent
$3,897/mo
State Tax: 0.71%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 92530 BENCHMARK)
Edit any value
Purchase Price (ZHVI Median)
Monthly Gross Rent (ZORI Median)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (CA Avg 0.71%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$2,827/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$855/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (92530)
| Year | Median Price | Median Rent | Gross Yield |
|---|---|---|---|
| 2022 | $551,542 | $1,992/mo | 4.33% |
| 2023 | $542,494 | $2,025/mo | 4.48% |
| 2024 | $571,451 | $2,079/mo | 4.36% |
| 2025 | $556,389 | $2,173/mo | 4.69% |
| 2026 | $559,000 | $2,239/mo | 4.81% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 91710 Chino, CA | $756,530 | $3,027/mo | 2.97% | -$1,955/mo |
| 92154 San Diego, CA | $745,539 | $2,971/mo | 2.95% | -$1,937/mo |
| 90011 Los Angeles, CA | $600,313 | $2,418/mo | 3.00% | -$1,537/mo |
| 91744 La Puente, CA | $731,536 | $2,899/mo | 2.93% | -$1,914/mo |
| 95076 Watsonville, CA | $823,234 | $3,332/mo | 3.02% | -$2,094/mo |
| 91730 Rancho Cucamonga, CA | $670,306 | $2,740/mo | 3.06% | -$1,682/mo |