Real Estate Investing in Ontario, California (91761)

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

San Bernardino County • Population: 62,506 • Data updated: September 2026

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Should you buy in 91761 (Ontario, 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 Ontario, CA (91761)?

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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 $689,821
Avg Monthly Rent $2,788
1% Rule ✗ Does Not Meet
Median Income $89,041
% Renters 34.1%

Market Analysis: 91761 Ontario

From an investor standpoint, ZIP 91761 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $690K median. It rewards specialists, not generalists.

The investment case in 91761 is substantial only for operators who understand what they are buying. A $690K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

Meanwhile, 91761 offers a low basis, the region around Ontario has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.

Employment concentration in 91761 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.

Distressed ZIPs reward experience. substantial returns are possible in 91761, but they flow to investors who already understand how to operate in soft markets.

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 Ontario:

C+ Average
Buy Confidence Score: 62/100
Affordability
5/25
Appreciation
18/25
Stability
14/20
Timing
10/15
Rental backup
15/15
Affordability
Expensive
Homes cost 7.7× the median income
Value Trend
Declining (-0.7%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,788/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 91761

Which property type performs best in this market?

Best for Cash Flow
4BR
3.9% cap rate
Best for Appreciation
1BR
+8.0% 5yr CAGR
Best Overall Value
5BR
$175,897/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $418,451 $2,080 3.6% +8.0% $418,451
2BR $525,909 $2,580 3.5% +7.2% $262,955
3BR $647,263 $3,410 3.8% +6.8% $215,754
4BR $752,905 $4,120 3.9% +7.1% $188,226
5BR $879,485 +7.5% $175,897

Market Trends

Home Value History (with trend line)

$754K$640K$526K$412K$298K$185KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$3,006$2,714$2,423$2,131$1,839$1,547Jun 2017Jan 2022Jul 2026

📊 How Does 91761 Compare?

Metric 91761 Ontario Riverside-San Bernardino-Ontario, CA California
Home Value $689,821 $669,860 N/A $761,003
5-Year CAGR 4.1% 4.5% N/A 5.7%
Avg Rent $2,788 $2,623 N/A -
Cap Rate 3.2% 3.1% - -
💡 Why Invest in 91761? 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 →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 91761 (Ontario, 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
3.2%
Low
5yr Growth
+4.1%
Moderate

📊 Market Snapshot

Home Value $689,821
Monthly Rent $2,788
Price-to-Rent 20.6:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.9%
Cap Rate 3.2%
5-Year IRR 7.3%

📈 Home Appreciation

1-Year -0.7% ▼
3-Year CAGR +2.2% ▲
5-Year CAGR +4.1% ▲
10-Year CAGR +6.3% ▲

🏠 Rent Trends

1-Year +1.9% ▲
3-Year CAGR +3.7% ▲
5-Year CAGR +4.3% ▲
Negative Leverage — IRR / Tax Play Cap Rate: 3.2%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.2%). 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
2.7%
Low risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+4.1%
Stable
Eviction process: Very Slow Rent control: Unfavorable

Demographics in 91761

Population: 62,506

💰 Median Household Income
$89,041
This area
$89,041
State
$94,164
USA
$74,580
🏠 Renter Occupied
34.1%
This area
34.1%
State
39.3%
USA
34.0%
💼 Unemployment Rate
4.0%
This area
4.0%
State
-16.6%
USA
3.7%
🎓 College Educated
20.6%
This area
20.6%
State
7.7%
USA
33.7%
👤 Median Age
33.3 years
This area
33.3 years
State
9.6 years
USA
38.9 years
🏚️ Vacancy Rate
2.7%
This area
2.7%
State
15.3%
USA
10.5%
👥 Population by Ethnicity
Other/Mixed 51.4%
Hispanic/Latino 45.8%
White 35.7%
Asian 8.1%
Black/African American 4.8%
👶 Under 18
24.1%
This area
24.1%
USA
22.0%
👴 65 and Over
11.7%
This area
11.7%
USA
17.3%
📊 Poverty Rate
8.4%
This area
8.4%
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 91761

B Avg School Grade
14 Schools
21.2:1 Avg Class Size
$20,731 Avg Per Pupil

Schools in This ZIP Code

A Very Good

De Anza Middle

📚 07 – 08 Middle
👥
504 Students
👨‍🏫
16.3:1 Class Size
💰
$18,835 Per Student
A Very Good

Grace Yokley Junior High

📚 07 – 08 Middle
👥
602 Students
👨‍🏫
19.8:1 Class Size
💰
$22,116 Per Student
A Very Good

Woodcrest Junior High

📚 07 – 08 Middle
👥
355 Students
👨‍🏫
18.5:1 Class Size
💰
$21,427 Per Student
B+ Above Average

Sultana Elementary

📚 K – 06 School
👥
621 Students
👨‍🏫
20.7:1 Class Size
💰
$18,835 Per Student
B+ Above Average

Creek View Elementary

📚 K – 06 School
👥
524 Students
👨‍🏫
22.2:1 Class Size
💰
$22,116 Per Student
B+ Above Average

Levi H. Dickey Elementary

📚 K – 06 School
👥
420 Students
👨‍🏫
24.9:1 Class Size
💰
$21,427 Per Student
B+ Above Average

Liberty Elementary

📚 K – 06 School
👥
564 Students
👨‍🏫
23.5:1 Class Size
💰
$21,427 Per Student
B+ Above Average

Mountain View Elementary

📚 K – 06 School
👥
529 Students
👨‍🏫
22.5:1 Class Size
💰
$22,116 Per Student
B+ Above Average

Online Academy

📚 K – 08 School
👥
146 Students
👨‍🏫
12.2:1 Class Size
💰
$18,835 Per Student
B+ Above Average

Ranch View Elementary

📚 K – 06 School
👥
678 Students
👨‍🏫
24.7:1 Class Size
💰
$22,116 Per Student
B Good

Park View Elementary

📚 K – 06 School
👥
823 Students
👨‍🏫
23.7:1 Class Size
💰
$22,116 Per Student
B Good

Bon View Elementary

📚 K – 06 School
👥
609 Students
👨‍🏫
23.4:1 Class Size
💰
$18,835 Per Student
C+ Average

Colony High

📚 09 – 12 High School
👥
2,085 Students
👨‍🏫
23.9:1 Class Size
💰
$19,300 Per Student
C Below Average

Baldy View ROP

📚 09 – 12 High School Limited Data
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
D
University of Phoenix-California
257 students · 2.1 mi
D
West Coast University-Ontario
2,647 students · 2.2 mi
C
DeVry University-California
2,119 students · 2.3 mi
D
Arizona College of Nursing-Ontario
279 students · 2.3 mi
C
American Career College-Ontario
2,014 students · 2.3 mi
C
Platt College-Ontario
467 students · 2.6 mi
C
San Joaquin Valley College-Ontario
1,064 students · 3.3 mi
D
Universal Technical Institute of California Inc
1,484 students · 3.4 mi

Frequently Asked Questions

What is the renter demographic in Ontario, CA?

Expect a solid tenant pool in Ontario, CA. The rental market absorbs $2,788/mo rents without meaningful friction.

How does Ontario, CA rate as a rental market?

Ontario, CA registers an investability rating of 3.0/5, with median home values near $690K and average rents around $2,788/mo. That combination puts it in the healthy tier for investor interest.

Do rentals sit vacant long in Ontario, CA?

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

Is Ontario, CA a friendly market for rental owners?

Landlord-friendliness in Ontario, CA is tenant-protective. Eviction timelines and lease enforcement are considered reasonable by most property managers.

What is the typical home price in Ontario, CA?

Ontario, CA median home values land near $690K. That is reasonable territory for investors looking at $2,788/mo-per-month rentals.

You know 91761 now. You don’t know where it ranks.

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How 91761 ranks in Riverside-San Bernardino-Ontario, CA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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