Real Estate Investing in Rancho Cucamonga, California (91739)

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

San Bernardino County • Population: 41,722 • Data updated: September 2026

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Should you buy in 91739 (Rancho Cucamonga, CA)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (57/100)

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
2 flags
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
  • High price-to-rent: Price-to-rent ratio 28.3 — hard to cash-flow at these prices.

What’s happening in Rancho Cucamonga, CA (91739)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $969,678
Avg Monthly Rent $2,859
1% Rule ✗ Does Not Meet
Median Income $138,079
% Renters 27.0%

Market Analysis: 91739 Rancho Cucamonga

Not every below-median market is a bargain. Rancho Cucamonga's 91739 ZIP sits at signals that favor experienced operators who can absorb the risk $970K pricing implies.

For an experienced owner, 91739 can be a a viable market for hunting ground — but the discount at $970K reflects genuine risk that outside investors often underestimate.

Statewide comparisons place 91739 among CA's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

The demographic picture in 91739 includes headwinds that any investor should price in. Income distribution skews lower than Rancho Cucamonga averages, and tenant stability requires active management.

The 91739 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

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

C+ Average
Buy Confidence Score: 61/100
Affordability
5/25
Appreciation
18/25
Stability
13/20
Timing
10/15
Rental backup
15/15
Affordability
Expensive
Homes cost 7× the median income
Value Trend
Stable (+1.2%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,859/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 91739

Which property type performs best in this market?

Best for Cash Flow
3BR
4.2% cap rate
Best for Appreciation
5BR
+8.3% 5yr CAGR
Best Overall Value
3BR
$229,460/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $560,455 $3,040 3.9% +6.2% $280,227
3BR $688,381 $4,020 4.2% +5.8% $229,460
4BR $1,015,442 $4,850 3.4% +7.6% $253,860
5BR $1,189,468 +8.3% $237,894

Market Trends

Home Value History (with trend line)

$1.0M$885K$744K$602K$460K$319KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$2,939$2,707$2,475$2,243$2,010$1,778Jul 2016Jul 2021Jul 2026

📊 How Does 91739 Compare?

Metric 91739 Rancho Cucamonga Riverside-San Bernardino-Ontario, CA California
Home Value $969,678 $861,224 N/A $761,003
5-Year CAGR 4.8% 4.6% N/A 5.7%
Avg Rent $2,859 $3,095 N/A -
Cap Rate 2.3% 2.8% - -
💡 Why Invest in 91739? 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 91739 (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
2.3%
Low
5yr Growth
+4.8%
Moderate

📊 Market Snapshot

Home Value $969,678
Monthly Rent $2,859
Price-to-Rent 28.3:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.5%
Cap Rate 2.3%
5-Year IRR 7.1%

📈 Home Appreciation

1-Year +1.2% ▲
3-Year CAGR +3.1% ▲
5-Year CAGR +4.8% ▲
10-Year CAGR +5.9% ▲

🏠 Rent Trends

1-Year +0.6% ▲
3-Year CAGR +0.2% ▲
5-Year CAGR +2.9% ▲
Negative Leverage — IRR / Tax Play Cap Rate: 2.3%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.3%). 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
5.0%
Low risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+4.8%
Stable
Eviction process: Very Slow Rent control: Unfavorable

Demographics in 91739

Population: 41,722

💰 Median Household Income
$138,079
This area
$138,079
State
$94,164
USA
$74,580
🏠 Renter Occupied
27.0%
This area
27.0%
State
39.3%
USA
34.0%
💼 Unemployment Rate
3.4%
This area
3.4%
State
-16.6%
USA
3.7%
🎓 College Educated
44.5%
This area
44.5%
State
7.7%
USA
33.7%
👤 Median Age
36.2 years
This area
36.2 years
State
9.6 years
USA
38.9 years
🏚️ Vacancy Rate
5.0%
This area
5.0%
State
15.3%
USA
10.5%
👥 Population by Ethnicity
White 43.3%
Other/Mixed 25.5%
Asian 20.0%
Hispanic/Latino 19.9%
Black/African American 11.2%
👶 Under 18
24.4%
This area
24.4%
USA
22.0%
👴 65 and Over
9.2%
This area
9.2%
USA
17.3%
📊 Poverty Rate
3.5%
This area
3.5%
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 91739

C+ Avg School Grade
10 Schools
22.1:1 Avg Class Size
$16,214 Avg Per Pupil

Schools in This ZIP Code

B Good

Etiwanda Community Day

📚 06 – 08 Middle
👥
4 Students
👨‍🏫
4.2:1 Class Size
💰
$15,871 Per Student
B Good

Etiwanda Colony Elementary

📚 K – 05 Elementary
👥
571 Students
👨‍🏫
23.7:1 Class Size
💰
$15,871 Per Student
B Good

Grapeland Elementary

📚 K – 05 Elementary
👥
617 Students
👨‍🏫
23.7:1 Class Size
💰
$15,871 Per Student
B Good

Perdew Elementary

📚 K – 05 Elementary
👥
677 Students
👨‍🏫
24.6:1 Class Size
💰
$15,871 Per Student
B Good

Windrows Elementary

📚 K – 05 Elementary
👥
582 Students
👨‍🏫
23.2:1 Class Size
💰
$15,871 Per Student
C+ Average

John L. Golden Elementary

📚 K – 05 Elementary
👥
915 Students
👨‍🏫
24.6:1 Class Size
💰
$15,871 Per Student
C+ Average

Day Creek Intermediate

📚 06 – 08 Middle
👥
1,272 Students
👨‍🏫
22.2:1 Class Size
💰
$15,871 Per Student
C+ Average

Etiwanda Intermediate

📚 06 – 08 Middle
👥
1,105 Students
👨‍🏫
25.4:1 Class Size
💰
$15,871 Per Student
C+ Average

Summit Intermediate

📚 06 – 08 Middle
👥
1,101 Students
👨‍🏫
23.9:1 Class Size
💰
$15,871 Per Student
C+ Average

Etiwanda High

📚 09 – 12 High School
👥
3,540 Students
👨‍🏫
25.4:1 Class Size
💰
$19,300 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 · 3.5 mi
C+
The Fab School
164 students · 6.1 mi
C+
Salon Success Academy-Fontana
34 students · 6.2 mi
D
Universal Technical Institute of California Inc
1,484 students · 6.5 mi
D
UEI College-Ontario
930 students · 6.7 mi
C
San Joaquin Valley College-Ontario
1,064 students · 6.8 mi
C+
Oak Valley College
52 students · 7.2 mi
C
Platt College-Ontario
467 students · 7.2 mi

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

Frequently Asked Questions

What is the investability score for Rancho Cucamonga, CA?

Rancho Cucamonga, CA rates 3.0/5 for investability. With median values at $970K and rents near $2,859/mo, the market offers reasonable fundamentals for rental investors.

What monthly rent should investors expect in Rancho Cucamonga, CA?

Rent in Rancho Cucamonga, CA is around $2,859/mo. The resulting rent-to-value relationship with $970K pricing is reasonable for most investor models.

How expensive is real estate in Rancho Cucamonga, CA?

Typical homes in Rancho Cucamonga, CA go for around $970K. The 5-year CAGR of 0.0% stable price movement.

Is vacancy a concern in Rancho Cucamonga, CA?

Rancho Cucamonga, CA sees elevated vacancy, which is reasonable relative to the broader CA rental market.

Is CA a landlord-friendly state?

For rental operators, Rancho Cucamonga, CA rates as tenant-protective. The regulatory environment standard buy-and-hold operations.

You know 91739 now. You don’t know where it ranks.

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How 91739 ranks in Riverside-San Bernardino-Ontario, CA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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