Best ZIP Codes for Cash Flow in Riverside-San Bernardino-Ontario, CA (2026)
Ranked by cap rate — the annual return on the purchase price before financing. ZIPs that also clear the 1% rule are marked.
| # | ZIP | City | Home value | Rent | Cap rate | 5-yr growth |
|---|---|---|---|---|---|---|
| 1 | 92347 1% rule | Hinkley, CA | $150,217 | $1,872 | 9.72% | -5.1% |
| 2 | 92398 1% rule | Daggett, CA | $174,276 | $1,872 | 8.38% | -2.3% |
| 3 | 92363 1% rule | Needles, CA | $185,812 | $1,872 | 7.86% | -0.4% |
| 4 | 92242 | Earp, CA | $195,208 | $1,872 | 7.48% | -6.8% |
| 5 | 92285 | Landers, CA | $201,127 | $1,872 | 7.26% | -4.2% |
| 6 | 92225 | Blythe, CA | $214,284 | $1,750 | 6.37% | 0.6% |
| 7 | 92391 | Lake Arrowhead, CA | $361,080 | $2,795 | 6.04% | 0.7% |
| 8 | 92258 | Desert Hot Springs, CA | $253,690 | $1,872 | 5.76% | -1.5% |
| 9 | 92356 | Lucerne Valley, CA | $263,107 | $1,872 | 5.55% | 2.3% |
| 10 | 92368 | Oro Grande, CA | $282,605 | $1,872 | 5.17% | 4.1% |
| 11 | 92382 | Running Springs, CA | $347,237 | $2,213 | 4.97% | 2.2% |
| 12 | 92386 | Sugarloaf, CA | $295,590 | $1,869 | 4.93% | 0.3% |
| 13 | 92342 | Helendale, CA | $375,131 | $2,350 | 4.89% | 3.4% |
| 14 | 92210 | Indian Wells, CA | $1,439,164 | $8,975 | 4.86% | 6.4% |
| 15 | 92274 | Thermal, CA | $303,400 | $1,872 | 4.81% | 7.6% |
| 16 | 92305 | Angelus Oaks, CA | $303,808 | $1,872 | 4.81% | 1.3% |
| 17 | 92322 | Crestline, CA | $329,169 | $2,016 | 4.78% | 1.8% |
| 18 | 92341 | Green Valley Lake, CA | $307,665 | $1,872 | 4.75% | 1.5% |
| 19 | 92321 | Lake Arrowhead, CA | $309,981 | $1,872 | 4.71% | 0.9% |
| 20 | 92586 | Menifee, CA | $417,484 | $2,494 | 4.66% | 2.6% |
| 21 | 92411 | San Bernardino, CA | $433,836 | $2,553 | 4.59% | 5.8% |
| 22 | 92408 | San Bernardino, CA | $481,152 | $2,800 | 4.54% | 5.2% |
| 23 | 92252 | Joshua Tree, CA | $350,554 | $2,032 | 4.52% | -0.1% |
| 24 | 92256 | Morongo Valley, CA | $323,654 | $1,872 | 4.51% | 2.6% |
| 25 | 92582 | San Jacinto, CA | $518,975 | $2,998 | 4.51% | 3.7% |
Ranked from Repit’s own ZIP-level data — Zillow home values and rents, HUD fair-market rents where Zillow has no coverage, and U.S. Census vacancy. Cap rate is gross: annual rent over purchase price, before financing and expenses. Every ZIP above links to its full free page. How we calculate this →
Same metro, different strategy
Appreciation in Riverside-San Bernardino-Ontario, CA · Affordable in Riverside-San Bernardino-Ontario, CA
Or see the full Riverside-San Bernardino-Ontario, CA metro profile.