Best ZIP Codes for Cash Flow in San Jose-Sunnyvale-Santa Clara, 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 | 95113 | San Jose, CA | $637,885 | $3,575 | 4.37% | -3.6% |
| 2 | 95110 | San Jose, CA | $821,731 | $3,240 | 3.08% | -0.8% |
| 3 | 95023 | Hollister, CA | $766,153 | $2,915 | 2.97% | 0.6% |
| 4 | 95134 | San Jose, CA | $1,038,011 | $3,792 | 2.85% | 1.3% |
| 5 | 95116 | San Jose, CA | $923,392 | $3,176 | 2.68% | 2.7% |
| 6 | 95112 | San Jose, CA | $987,069 | $3,231 | 2.55% | 1.3% |
| 7 | 95122 | San Jose, CA | $972,653 | $3,169 | 2.54% | 2.5% |
| 8 | 95119 | San Jose, CA | $1,385,518 | $4,500 | 2.53% | 4.3% |
| 9 | 95133 | San Jose, CA | $1,122,859 | $3,648 | 2.53% | 2.6% |
| 10 | 95127 | San Jose, CA | $1,089,427 | $3,456 | 2.47% | 2.6% |
| 11 | 95045 | San Juan Bautista, CA | $910,565 | $2,844 | 2.44% | 0.8% |
| 12 | 95020 | Gilroy, CA | $1,051,829 | $3,232 | 2.40% | 2.4% |
| 13 | 95111 | San Jose, CA | $1,046,956 | $3,205 | 2.39% | 3.8% |
| 14 | 95148 | San Jose, CA | $1,503,632 | $4,533 | 2.35% | 4.6% |
| 15 | 95139 | San Jose, CA | $1,317,068 | $3,861 | 2.29% | 5.0% |
| 16 | 95037 | Morgan Hill, CA | $1,332,353 | $3,893 | 2.28% | 3.3% |
| 17 | 94043 | Mountain View, CA | $1,542,994 | $4,445 | 2.25% | 1.1% |
| 18 | 95033 | Lexington Hills, CA | $1,437,260 | $4,138 | 2.25% | 1.0% |
| 19 | 95054 | Santa Clara, CA | $1,467,063 | $4,180 | 2.22% | 3.0% |
| 20 | 95131 | San Jose, CA | $1,315,860 | $3,711 | 2.20% | 3.0% |
| 21 | 95126 | San Jose, CA | $1,175,156 | $3,284 | 2.18% | 1.4% |
| 22 | 95118 | San Jose, CA | $1,614,334 | $4,501 | 2.17% | 4.8% |
| 23 | 95121 | San Jose, CA | $1,235,417 | $3,426 | 2.16% | 4.3% |
| 24 | 95004 | Aromas, CA | $977,320 | $2,655 | 2.12% | 0.6% |
| 25 | 95123 | San Jose, CA | $1,334,283 | $3,537 | 2.07% | 4.7% |
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 San Jose-Sunnyvale-Santa Clara, CA · Affordable in San Jose-Sunnyvale-Santa Clara, CA
Or see the full San Jose-Sunnyvale-Santa Clara, CA metro profile.