Best ZIP Codes for Cash Flow in San Francisco-Oakland-Berkeley, 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 | 94612 | Oakland, CA | $536,099 | $2,956 | 4.30% | -7.3% |
| 2 | 94621 | Oakland, CA | $451,530 | $2,465 | 4.26% | -3.6% |
| 3 | 94103 | San Francisco, CA | $823,531 | $4,287 | 4.06% | -2.8% |
| 4 | 94531 | Antioch, CA | $665,482 | $3,458 | 4.05% | 0.5% |
| 5 | 94607 | Oakland, CA | $524,673 | $2,716 | 4.04% | -6.1% |
| 6 | 94105 | San Francisco, CA | $1,127,243 | $5,758 | 3.98% | -1.4% |
| 7 | 94595 | Walnut Creek, CA | $700,117 | $3,548 | 3.95% | 0.8% |
| 8 | 94561 | Oakley, CA | $660,651 | $3,304 | 3.90% | -0.1% |
| 9 | 94102 | San Francisco, CA | $745,362 | $3,702 | 3.87% | -2.4% |
| 10 | 94608 | Emeryville, CA | $613,545 | $2,981 | 3.79% | -4.1% |
| 11 | 94804 | Richmond, CA | $576,110 | $2,790 | 3.78% | -1.7% |
| 12 | 94603 | Oakland, CA | $505,649 | $2,421 | 3.73% | -3.1% |
| 13 | 94107 | San Francisco, CA | $1,040,849 | $4,781 | 3.58% | -1.1% |
| 14 | 94505 | Discovery Bay, CA | $783,203 | $3,546 | 3.53% | 0.0% |
| 15 | 94801 | Richmond, CA | $516,446 | $2,295 | 3.47% | -1.0% |
| 16 | 94805 | Richmond, CA | $703,546 | $3,124 | 3.46% | -1.3% |
| 17 | 94502 | Alameda, CA | $1,155,383 | $5,113 | 3.45% | 1.0% |
| 18 | 94124 | San Francisco, CA | $930,768 | $4,013 | 3.36% | -1.3% |
| 19 | 94513 | Brentwood, CA | $794,463 | $3,416 | 3.35% | 0.6% |
| 20 | 94564 | Pinole, CA | $723,802 | $3,057 | 3.29% | -0.5% |
| 21 | 94565 | Pittsburg, CA | $566,586 | $2,388 | 3.29% | -0.1% |
| 22 | 94547 | Hercules, CA | $744,237 | $3,105 | 3.25% | 0.3% |
| 23 | 94933 | Lagunitas, CA | $901,097 | $3,744 | 3.24% | -0.1% |
| 24 | 94158 | San Francisco, CA | $1,348,043 | $5,587 | 3.23% | 1.2% |
| 25 | 94519 | Concord, CA | $717,055 | $2,911 | 3.17% | -0.3% |
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 Francisco-Oakland-Berkeley, CA · Affordable in San Francisco-Oakland-Berkeley, CA
Or see the full San Francisco-Oakland-Berkeley, CA metro profile.