Real Estate Investing in Rancho Cucamonga, California (91737)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

San Bernardino County • Population: 22,797 • Data updated: September 2026

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Should you buy in 91737 (Rancho Cucamonga, CA)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (61/100)

Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.

What’s happening in Rancho Cucamonga, CA (91737)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $954,605
Avg Monthly Rent $3,446
1% Rule ✗ Does Not Meet
Median Income $112,857
% Renters 29.2%

Market Analysis: 91737 Rancho Cucamonga

Stepping back, ZIP 91737 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $955K median. It rewards specialists, not generalists.

The 91737 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

The gap between 91737 and stronger Rancho Cucamonga ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

Demographically, 91737 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.

trends toward the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.95% as of Sep 17 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Rancho Cucamonga:

C+ Average
Buy Confidence Score: 60/100
Affordability
0/25
Appreciation
22/25
Stability
13/20
Timing
10/15
Rental backup
15/15
Affordability
Expensive
Homes cost 8.5× the median income
Value Trend
Stable (+2.4%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $3,446/mo if you need to move
Market Conditions
COOL
More inventory, negotiating room for buyers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
❄️
COOL MARKET
Riverside-San Bernardino-Ontario, CA Metro Area
More inventory, negotiating room for buyers
60 days
Average time to sell
Average
7.8%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Riverside-San Bernardino-Ontario, CA metro data
🏠

Property Strategy for 91737

Which property type performs best in this market?

Best for Cash Flow
1BR
5.4% cap rate
Best for Appreciation
5BR
+8.4% 5yr CAGR
Best Overall Value
2BR
$224,505/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $325,611 $2,440 5.4% +7.9% $325,611
2BR $449,010 $3,020 4.8% +5.9% $224,505
3BR $773,114 $4,000 3.7% +6.6% $257,705
4BR $976,832 $4,820 3.6% +7.8% $244,208
5BR $1,539,400 +8.4% $307,880

Market Trends

Home Value History (with trend line)

$1.0M$869K$727K$585K$443K$301KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$3,595$3,346$3,096$2,847$2,598$2,348Apr 2022Jun 2024Jul 2026

📊 How Does 91737 Compare?

Metric 91737 Rancho Cucamonga Riverside-San Bernardino-Ontario, CA California
Home Value $954,605 $861,224 N/A $761,003
5-Year CAGR 5.0% 4.6% N/A 5.7%
Avg Rent $3,446 $3,095 N/A -
Cap Rate 2.8% 2.8% - -
💡 Why Invest in 91737? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 91737 (Rancho Cucamonga, CA). Anonymous, moderated, never written by AI.

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Property managers serving San Bernardino County

Manage rentals here? List your business →

Encore Property Management's homepage text is minimal, but the domain name strongly suggests property management services. summary from their website

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Incline Consultants specializes in HOA and Condominium Management, offering services for community associations. summary from their website

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J&C Real Estate's homepage text is minimal, focusing on CSS and layout, and does not provide sufficient information to confirm property management services. summary from their website

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Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.

Investability
Good
Cap Rate
2.8%
Low
5yr Growth
+5.0%
Moderate

📊 Market Snapshot

Home Value $954,605
Monthly Rent $3,446
Price-to-Rent 23.1:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.3%
Cap Rate 2.8%
5-Year IRR 7.8%

📈 Home Appreciation

1-Year +2.4% ▲
3-Year CAGR +4.1% ▲
5-Year CAGR +5.0% ▲
10-Year CAGR +6.3% ▲

🏠 Rent Trends

1-Year +25.4% ▲
3-Year CAGR +11.7% ▲
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.8%  |  30yr Rate: 7.0%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (7.0%) exceeds the estimated cap rate (2.8%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
4.4%
Low risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+5.0%
Stable
Eviction process: Very Slow Rent control: Unfavorable

Demographics in 91737

Population: 22,797

💰 Median Household Income
$112,857
This area
$112,857
State
$94,164
USA
$74,580
🏠 Renter Occupied
29.2%
This area
29.2%
State
39.3%
USA
34.0%
💼 Unemployment Rate
4.8%
This area
4.8%
State
-16.6%
USA
3.7%
🎓 College Educated
40.4%
This area
40.4%
State
7.7%
USA
33.7%
👤 Median Age
43.5 years
This area
43.5 years
State
9.6 years
USA
38.9 years
🏚️ Vacancy Rate
4.4%
This area
4.4%
State
15.3%
USA
10.5%
👥 Population by Ethnicity
White 55.7%
Other/Mixed 24.9%
Hispanic/Latino 19.4%
Asian 13.5%
Black/African American 5.8%
👶 Under 18
21.8%
This area
21.8%
USA
22.0%
👴 65 and Over
16.9%
This area
16.9%
USA
17.3%
📊 Poverty Rate
6.3%
This area
6.3%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 91737

C+ Avg School Grade
5 Schools
24.9:1 Avg Class Size
$16,335 Avg Per Pupil

Schools in This ZIP Code

B Good

Banyan Elementary

📚 K – 06 School
👥
630 Students
👨‍🏫
24.2:1 Class Size
💰
$15,501 Per Student
B Good

Caryn Elementary

📚 K – 05 Elementary
👥
558 Students
👨‍🏫
24.0:1 Class Size
💰
$15,871 Per Student
B Good

Vineyard Junior High

📚 07 – 08 Middle
👥
688 Students
👨‍🏫
25.0:1 Class Size
💰
$15,501 Per Student
C+ Average

Hermosa Elementary

📚 K – 06 School
👥
530 Students
👨‍🏫
26.5:1 Class Size
💰
$15,501 Per Student
C+ Average

Los Osos High

📚 09 – 12 High School
👥
2,759 Students
👨‍🏫
24.9:1 Class Size
💰
$19,300 Per Student

Nearby Schools (5 more)

Schools in adjacent ZIP codes that may serve this area

B Good

Victoria Groves Elementary

📚 K – 06 School
📍 10950 Emerson, Alta Loma
👥
529 Students
👨‍🏫
20.8:1 Class Size
💰
$15,501 Per Student
B Good

Alta Loma Junior High

📚 07 – 08 Middle
📍 9000 Lemon Ave., Alta Loma
👥
643 Students
👨‍🏫
23.6:1 Class Size
💰
$15,501 Per Student
B Good

Carnelian Elementary

📚 K – 06 School
📍 7105 Carnelian St., Alta Loma
👥
463 Students
👨‍🏫
23.2:1 Class Size
💰
$15,501 Per Student
B Good

Jasper Elementary

📚 K – 06 School
📍 6881 Jasper St., Alta Loma
👥
439 Students
👨‍🏫
23.1:1 Class Size
💰
$15,501 Per Student
C+ Average

Carleton P. Lightfoot Elementary

📚 K – 05 Elementary
📍 6989 Kenyon Way, Alta Loma
👥
863 Students
👨‍🏫
24.6:1 Class Size
💰
$15,871 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

8 Nearby 7,324 Off-Campus Students
C
Chaffey College
20,632 students · 0.6 mi
C
Salon Success Academy-Upland
238 students · 4.5 mi
D
Universal Technical Institute of California Inc
1,484 students · 5.0 mi
C+
The Fab School
164 students · 5.4 mi
C
Platt College-Ontario
467 students · 6.0 mi
C
DeVry University-California
2,119 students · 6.0 mi
C
American Career College-Ontario
2,014 students · 6.0 mi
D
Arizona College of Nursing-Ontario
279 students · 6.1 mi

Investor Insight: With 7,324 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Which investment style suits Rancho Cucamonga, CA?

A careful cash-flow rentals with hands-on management strategy Rancho Cucamonga, CA best. The market produces reliable results for that approach at the $955K price point.

How does Rancho Cucamonga, CA stack up for property investment?

Rancho Cucamonga, CA sits at an investability rating of 3.0/5, with median home values near $955K and average rents around $3,446/mo. That combination puts it in the robust tier for investor interest.

How do home values compare in Rancho Cucamonga, CA?

In Rancho Cucamonga, CA the median home value sits at $955K. Against the broader CA market, that reads as reasonable for most investors.

Does Rancho Cucamonga, CA favor landlords or tenants?

Rental owners in Rancho Cucamonga, CA deal with a tenant-protective legal framework. Most standard eviction processes run on reasonable timelines.

What is the renter demographic in Rancho Cucamonga, CA?

Rancho Cucamonga, CA offers a measured renter base at the $3,446/mo rent level. Tenant turnover is reasonable for well-managed properties.

You know 91737 now. You don’t know where it ranks.

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How 91737 ranks in Riverside-San Bernardino-Ontario, CA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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