Real Estate Investing in Upland, California (91784)

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

San Bernardino County • Population: 26,900 • Data updated: September 2026

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Should you buy in 91784 (Upland, 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 Upland, CA (91784)?

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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 $982,840
Avg Monthly Rent $4,217
1% Rule ✗ Does Not Meet
Median Income $145,496
% Renters 14.6%

Market Analysis: 91784 Upland

From a cash-flow lens, ZIP 91784 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $983K median. It rewards specialists, not generalists.

The 91784 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

Put differently, 91784 offers a low basis, the region around Upland has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.

Employment concentration in 91784 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.

Experienced landlords with local relationships tend to find 91784 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.

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 Upland:

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 6.8× the median income
Value Trend
Stable (+1.3%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $4,217/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 91784

Which property type performs best in this market?

Best for Cash Flow
4BR
3.8% cap rate
Best for Appreciation
5BR
+7.2% 5yr CAGR
Best Overall Value
5BR
$232,252/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $685,285 $3,300 3.5% +6.2% $342,642
3BR $850,296 $4,370 3.7% +6.8% $283,432
4BR $1,005,094 $5,270 3.8% +7.1% $251,273
5BR $1,161,259 +7.2% $232,252

Market Trends

Home Value History (with trend line)

$1.0M$898K$762K$627K$491K$356KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$4,267$4,121$3,974$3,828$3,681$3,534May 2025Dec 2025Jul 2026

📊 How Does 91784 Compare?

Metric 91784 Upland Riverside-San Bernardino-Ontario, CA California
Home Value $982,840 $853,444 N/A $761,003
5-Year CAGR 4.4% 4.2% N/A 5.7%
Avg Rent $4,217 $3,282 N/A -
Cap Rate 3.4% 2.9% - -
💡 Why Invest in 91784? 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 91784 (Upland, 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
3.4%
Low
5yr Growth
+4.4%
Moderate

📊 Market Snapshot

Home Value $982,840
Monthly Rent $4,217
Price-to-Rent 19.4:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.2%
Cap Rate 3.4%
5-Year IRR 7.7%

📈 Home Appreciation

1-Year +1.3% ▲
3-Year CAGR +3.0% ▲
5-Year CAGR +4.4% ▲
10-Year CAGR +5.7% ▲

🏠 Rent Trends

1-Year +14.4% ▲
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.4%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.4%). 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
2.6%
Low risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+4.4%
Stable
Eviction process: Very Slow Rent control: Unfavorable

Demographics in 91784

Population: 26,900

💰 Median Household Income
$145,496
This area
$145,496
State
$94,164
USA
$74,580
🏠 Renter Occupied
14.6%
This area
14.6%
State
39.3%
USA
34.0%
💼 Unemployment Rate
3.1%
This area
3.1%
State
-16.6%
USA
3.7%
🎓 College Educated
46.7%
This area
46.7%
State
7.7%
USA
33.7%
👤 Median Age
46.8 years
This area
46.8 years
State
9.6 years
USA
38.9 years
🏚️ Vacancy Rate
2.6%
This area
2.6%
State
15.3%
USA
10.5%
👥 Population by Ethnicity
White 61.3%
Other/Mixed 21.9%
Hispanic/Latino 16.2%
Asian 12.0%
Black/African American 4.9%
👶 Under 18
19.4%
This area
19.4%
USA
22.0%
👴 65 and Over
20.9%
This area
20.9%
USA
17.3%
📊 Poverty Rate
5.3%
This area
5.3%
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 91784

B Avg School Grade
3 Schools
22.8:1 Avg Class Size
$16,254 Avg Per Pupil

Schools in This ZIP Code

B Good

Pioneer Junior High

📚 07 – 08 Middle
👥
740 Students
👨‍🏫
20.8:1 Class Size
💰
$16,254 Per Student
B Good

Pepper Tree Elementary

📚 K – 06 School
👥
745 Students
👨‍🏫
23.3:1 Class Size
💰
$16,254 Per Student
B Good

Valencia Elementary

📚 K – 06 School
👥
610 Students
👨‍🏫
24.3:1 Class Size
💰
$16,254 Per Student

Nearby Schools (5 more)

Schools in adjacent ZIP codes that may serve this area

B+ Above Average

Hillside High

📚 10 – 12 High School
📍 1558 West Ninth St., Upland
👥
129 Students
👨‍🏫
11.5:1 Class Size
💰
$16,254 Per Student
B Good

Citrus Elementary

📚 K – 06 School
📍 925 West Seventh St., Upland
👥
537 Students
👨‍🏫
21.7:1 Class Size
💰
$16,254 Per Student
B Good

Baldy View Elementary

📚 K – 06 School
📍 979 West 11th St., Upland
👥
590 Students
👨‍🏫
23.5:1 Class Size
💰
$16,254 Per Student
B Good

Cabrillo Elementary

📚 K – 06 School
📍 1562 West 11th St., Upland
👥
559 Students
👨‍🏫
25.2:1 Class Size
💰
$16,254 Per Student
B Good

Magnolia Elementary

📚 K – 06 School
📍 465 West 15th St., Upland
👥
530 Students
👨‍🏫
22.9:1 Class Size
💰
$16,254 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
C
Salon Success Academy-Upland
238 students · 2.7 mi
B+
Pitzer College
1,204 students · 3.8 mi
B+
Harvey Mudd College
949 students · 3.8 mi
B
Scripps College
1,103 students · 4.0 mi
D
Claremont School of Theology
175 students · 4.0 mi
B+
Claremont McKenna College
1,384 students · 4.0 mi
C
Claremont Graduate University
1,763 students · 4.1 mi
B+
Pomona College
1,664 students · 4.3 mi

Frequently Asked Questions

Is real estate in Upland, CA a good investment right now?

Upland, CA registers an investability rating of 3.0/5, with median home values near $983K and average rents around $4,217/mo. That combination puts it in the significant tier for investor interest.

What is the average monthly rent in Upland, CA?

Rental rates in Upland, CA average $4,217/mo. Tenant demand and $983K home values make the yield look reasonable by investor standards.

Is the tenant base reliable in Upland, CA?

Working renters make up the core of the Upland, CA tenant base. The pool is reasonable for investors targeting long-term holds.

Should investors worry about vacancy in Upland, CA?

Rental vacancy in Upland, CA is elevated. Investors should budget normal turnover but not chronic empty units.

Which real estate strategy fits Upland, CA?

In Upland, CA the resilient play is typically careful cash-flow rentals with hands-on management. The combination of $983K prices and $4,217/mo rents suits that approach.

You know 91784 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 91784 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 91784 ranks in Riverside-San Bernardino-Ontario, CA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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