Best ZIP Codes for Cash Flow in San Diego-Chula Vista-Carlsbad, 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 | 91934 | Jacumba, CA | $346,224 | $2,700 | 6.08% | 4.4% |
| 2 | 91905 | Boulevard, CA | $456,299 | $2,421 | 4.14% | 1.3% |
| 3 | 92108 | San Diego, CA | $593,627 | $3,093 | 4.06% | 3.6% |
| 4 | 91963 | Campo, CA | $526,099 | $2,700 | 4.00% | -0.1% |
| 5 | 91962 | Descanso, CA | $652,079 | $3,114 | 3.72% | 3.8% |
| 6 | 92139 | San Diego, CA | $741,807 | $3,443 | 3.62% | 4.6% |
| 7 | 91917 | Dulzura, CA | $575,227 | $2,655 | 3.60% | 3.4% |
| 8 | 91916 | Descanso, CA | $668,480 | $2,817 | 3.29% | 3.3% |
| 9 | 92101 | San Diego, CA | $722,224 | $2,949 | 3.18% | 1.2% |
| 10 | 92154 | San Diego, CA | $747,003 | $2,997 | 3.13% | 4.2% |
| 11 | 92060 | Palomar Mountain, CA | $482,483 | $1,917 | 3.10% | -1.4% |
| 12 | 91915 | Chula Vista, CA | $859,325 | $3,389 | 3.08% | 4.2% |
| 13 | 91906 | Campo, CA | $504,638 | $1,989 | 3.07% | 3.2% |
| 14 | 92057 | Oceanside, CA | $816,411 | $3,137 | 3.00% | 5.0% |
| 15 | 92173 | San Diego, CA | $698,609 | $2,661 | 2.97% | 5.4% |
| 16 | 92121 | San Diego, CA | $1,093,166 | $4,096 | 2.92% | 4.7% |
| 17 | 91914 | Chula Vista, CA | $1,179,139 | $4,355 | 2.88% | 5.9% |
| 18 | 92026 | Escondido, CA | $733,034 | $2,705 | 2.88% | 1.5% |
| 19 | 92114 | San Diego, CA | $750,690 | $2,713 | 2.82% | 4.8% |
| 20 | 91911 | Chula Vista, CA | $774,259 | $2,782 | 2.80% | 4.5% |
| 21 | 92036 | Julian, CA | $575,039 | $2,061 | 2.80% | 2.9% |
| 22 | 92058 | Oceanside, CA | $782,132 | $2,805 | 2.80% | 5.3% |
| 23 | 91913 | Chula Vista, CA | $909,368 | $3,242 | 2.78% | 4.5% |
| 24 | 91950 | National City, CA | $694,073 | $2,469 | 2.77% | 4.3% |
| 25 | 92071 | Santee, CA | $800,151 | $2,846 | 2.77% | 4.0% |
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 San Diego-Chula Vista-Carlsbad, CA · Affordable in San Diego-Chula Vista-Carlsbad, CA
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