2026 State DSCR & Cap-Rate Intelligence Report · California (CA) · investmentpropertyloan.loan

California (CA) Rental Property DSCR, Tax & Cap-Rate Benchmark Report

California Executive Underwriting Summary: Across 186 tracked California investment markets, 1–4 unit rental properties average $745,000 in acquisition price against $4,950/month in Form 1007 market rent (7.97% gross rental yield) and $2,650/door/month on 5–25 unit multifamily assets. Investors underwriting California DSCR loans must factor a 0.75% effective property tax rate (~$5,588/yr), $510/$100k hazard insurance (~$3,800/yr), and a Non-Judicial (Deed of Trust — Civil Code §2924) statutory framework (120–135 days typical timeline).
1–4u Base Price / Rent
$745,000 / $4,950
Gross Rental Yield
7.97% Annual
Tax & Hazard Escrow
0.75% Tax · $510/100k
Foreclosure & Timeline
Non-Judicial (Deed of Trust — Civil Code §2924) (120–135 days)

California City-by-City DSCR, Tax & Multifamily Benchmark Table (186 Markets)

City & CountyPopulation1–4u Median PriceForm 1007 Median RentTax RateCity Desk
Los Angeles, CA (LOS ANGELES County County)4,233,895$870,000$5,800/mo0.73%Open Los Angeles Hub →
San Diego, CA (SAN DIEGO County County)1,477,927$860,000$5,700/mo0.72%Open San Diego Hub →
San Jose, CA (SANTA CLARA County County)1,088,405$805,000$5,450/mo0.72%Open San Jose Hub →
San Francisco, CA (SAN FRANCISCO County County)912,812$900,000$5,950/mo0.78%Open San Francisco Hub →
Fresno, CA (FRESNO County County)555,817$930,000$6,150/mo0.75%Open Fresno Hub →
Sacramento, CA (SACRAMENTO County County)522,858$900,000$5,950/mo0.78%Open Sacramento Hub →
Long Beach, CA (LOS ANGELES County County)511,677$835,000$5,600/mo0.69%Open Long Beach Hub →
Oakland, CA (ALAMEDA County County)442,816$825,000$5,450/mo0.78%Open Oakland Hub →
Bakersfield, CA (KERN County County)396,357$745,000$5,050/mo0.73%Open Bakersfield Hub →
Anaheim, CA (ORANGE County County)376,063$795,000$5,300/mo0.73%Open Anaheim Hub →
Santa Ana, CA (ORANGE County County)364,307$825,000$5,450/mo0.78%Open Santa Ana Hub →
Riverside, CA (RIVERSIDE County County)345,115$835,000$5,500/mo0.8%Open Riverside Hub →
Stockton, CA (SAN JOAQUIN County County)324,949$825,000$5,450/mo0.78%Open Stockton Hub →
Chula Vista, CA (SAN DIEGO County County)279,890$835,000$5,500/mo0.8%Open Chula Vista Hub →
Irvine, CA (ORANGE County County)258,020$795,000$5,300/mo0.73%Open Irvine Hub →
Fremont, CA (ALAMEDA County County)245,165$805,000$5,350/mo0.75%Open Fremont Hub →
San Bernardino, CA (SAN BERNARDINO County County)232,942$855,000$5,600/mo0.75%Open San Bernardino Hub →
Modesto, CA (STANISLAUS County County)223,377$805,000$5,350/mo0.75%Open Modesto Hub →
Oxnard, CA (VENTURA County County)221,278$785,000$5,250/mo0.72%Open Oxnard Hub →
Fontana, CA (SAN BERNARDINO County County)221,273$775,000$5,200/mo0.7%Open Fontana Hub →
Moreno Valley, CA (RIVERSIDE County County)219,281$845,000$5,550/mo0.81%Open Moreno Valley Hub →
Huntington Beach, CA (ORANGE County County)215,357$755,000$5,100/mo0.75%Open Huntington Beach Hub →
Glendale, CA (LOS ANGELES County County)213,663$825,000$5,450/mo0.78%Open Glendale Hub →
Santa Clarita, CA (LOS ANGELES County County)195,753$815,000$5,400/mo0.77%Open Santa Clarita Hub →
Garden Grove, CA (ORANGE County County)190,903$795,000$5,300/mo0.73%Open Garden Grove Hub →
Oceanside, CA (SAN DIEGO County County)188,345$835,000$5,500/mo0.8%Open Oceanside Hub →
Santa Rosa, CA (SONOMA County County)187,469$825,000$5,450/mo0.78%Open Santa Rosa Hub →
Rancho Cucamonga, CA (SAN BERNARDINO County County)186,811$795,000$5,300/mo0.73%Open Rancho Cucamonga Hub →
Ontario, CA (SAN BERNARDINO County County)182,575$765,000$5,150/mo0.69%Open Ontario Hub →
Elk Grove, CA (SACRAMENTO County County)175,498$870,000$5,700/mo0.78%Open Elk Grove Hub →
Lancaster, CA (LOS ANGELES County County)173,880$815,000$5,400/mo0.77%Open Lancaster Hub →
Corona, CA (RIVERSIDE County County)173,858$825,000$5,450/mo0.78%Open Corona Hub →
Palmdale, CA (LOS ANGELES County County)171,305$815,000$5,400/mo0.77%Open Palmdale Hub →
Salinas, CA (MONTEREY County County)169,672$785,000$5,250/mo0.72%Open Salinas Hub →
Hayward, CA (ALAMEDA County County)165,216$865,000$5,650/mo0.77%Open Hayward Hub →
Pomona, CA (LOS ANGELES County County)164,969$735,000$4,950/mo0.72%Open Pomona Hub →
Escondido, CA (SAN DIEGO County County)162,124$870,000$5,700/mo0.78%Open Escondido Hub →
Sunnyvale, CA (SANTA CLARA County County)160,839$755,000$5,100/mo0.75%Open Sunnyvale Hub →
Torrance, CA (LOS ANGELES County County)160,751$855,000$5,600/mo0.75%Open Torrance Hub →
Orange, CA (ORANGE County County)152,566$775,000$5,200/mo0.7%Open Orange Hub →
Pasadena, CA (LOS ANGELES County County)152,307$785,000$5,250/mo0.72%Open Pasadena Hub →
Fullerton, CA (ORANGE County County)151,489$765,000$5,150/mo0.69%Open Fullerton Hub →
Thousand Oaks, CA (VENTURA County County)140,317$775,000$5,100/mo0.78%Open Thousand Oaks Hub →
Visalia, CA (TULARE County County)139,262$715,000$4,750/mo0.75%Open Visalia Hub →
Roseville, CA (PLACER County County)138,468$715,000$4,750/mo0.75%Open Roseville Hub →
Simi Valley, CA (VENTURA County County)137,537$750,000$4,950/mo0.81%Open Simi Valley Hub →
Concord, CA (CONTRA COSTA County County)137,209$765,000$5,050/mo0.77%Open Concord Hub →
Victorville, CA (SAN BERNARDINO County County)131,995$715,000$4,750/mo0.75%Open Victorville Hub →
Santa Clara, CA (SANTA CLARA County County)131,067$705,000$4,700/mo0.73%Open Santa Clara Hub →
Vallejo, CA (SOLANO County County)129,532$775,000$5,100/mo0.78%Open Vallejo Hub →
Berkeley, CA (ALAMEDA County County)127,277$730,000$4,850/mo0.78%Open Berkeley Hub →
El Monte, CA (LOS ANGELES County County)126,122$655,000$4,400/mo0.72%Open El Monte Hub →
Downey, CA (LOS ANGELES County County)123,434$690,000$4,600/mo0.7%Open Downey Hub →
Costa Mesa, CA (ORANGE County County)122,270$670,000$4,500/mo0.75%Open Costa Mesa Hub →
Inglewood, CA (LOS ANGELES County County)121,581$690,000$4,600/mo0.7%Open Inglewood Hub →
Carlsbad, CA (SAN DIEGO County County)120,959$725,000$4,800/mo0.77%Open Carlsbad Hub →
Fairfield, CA (SOLANO County County)119,159$775,000$5,100/mo0.78%Open Fairfield Hub →
San Buenaventura (Ventura), CA (San Buenaventura (Ventura) Metro County County)118,611$655,000$4,400/mo0.72%Open San Buenaventura (Ventura) Hub →
West Covina, CA (LOS ANGELES County County)117,437$705,000$4,700/mo0.73%Open West Covina Hub →
Richmond, CA (CONTRA COSTA County County)117,252$750,000$4,950/mo0.81%Open Richmond Hub →
Murrieta, CA (RIVERSIDE County County)117,152$715,000$4,750/mo0.75%Open Murrieta Hub →
Antioch, CA (CONTRA COSTA County County)116,739$700,000$4,650/mo0.72%Open Antioch Hub →
Temecula, CA (RIVERSIDE County County)116,390$670,000$4,500/mo0.75%Open Temecula Hub →
Norwalk, CA (LOS ANGELES County County)116,182$700,000$4,650/mo0.72%Open Norwalk Hub →
Daly City, CA (SAN MATEO County County)114,166$655,000$4,400/mo0.72%Open Daly City Hub →
Burbank, CA (LOS ANGELES County County)114,133$655,000$4,400/mo0.72%Open Burbank Hub →
Santa Maria, CA (SANTA BARBARA County County)111,415$715,000$4,750/mo0.75%Open Santa Maria Hub →
El Cajon, CA (SAN DIEGO County County)111,410$680,000$4,550/mo0.69%Open El Cajon Hub →
Rialto, CA (SAN BERNARDINO County County)111,082$690,000$4,600/mo0.7%Open Rialto Hub →
San Mateo, CA (SAN MATEO County County)110,230$765,000$5,050/mo0.77%Open San Mateo Hub →
Clovis, CA (FRESNO County County)108,748$665,000$4,450/mo0.73%Open Clovis Hub →
Jurupa Valley, CA (Jurupa Valley Metro County County)106,853$665,000$4,450/mo0.73%Open Jurupa Valley Hub →
Compton, CA (LOS ANGELES County County)106,686$765,000$5,050/mo0.77%Open Compton Hub →
Vista, CA (SAN DIEGO County County)105,653$725,000$4,800/mo0.77%Open Vista Hub →
Mission Viejo, CA (ORANGE County County)105,017$765,000$5,050/mo0.77%Open Mission Viejo Hub →
South Gate, CA (LOS ANGELES County County)104,288$665,000$4,450/mo0.73%Open South Gate Hub →
Vacaville, CA (SOLANO County County)102,760$665,000$4,450/mo0.73%Open Vacaville Hub →
Carson, CA (LOS ANGELES County County)100,933$655,000$4,400/mo0.72%Open Carson Hub →
Santa Monica, CA (LOS ANGELES County County)100,794$775,000$5,100/mo0.78%Open Santa Monica Hub →
Hesperia, CA (SAN BERNARDINO County County)100,440$705,000$4,700/mo0.73%Open Hesperia Hub →
Westminster, CA (ORANGE County County)99,996$665,000$4,450/mo0.73%Open Westminster Hub →
Redding, CA (SHASTA County County)99,320$665,000$4,450/mo0.73%Open Redding Hub →
Santa Barbara, CA (SANTA BARBARA County County)98,549$690,000$4,600/mo0.7%Open Santa Barbara Hub →
San Marcos, CA (SAN DIEGO County County)97,432$700,000$4,650/mo0.72%Open San Marcos Hub →
Chico, CA (BUTTE County County)96,004$680,000$4,550/mo0.69%Open Chico Hub →
San Leandro, CA (ALAMEDA County County)95,882$680,000$4,550/mo0.69%Open San Leandro Hub →
Newport Beach, CA (ORANGE County County)95,128$665,000$4,450/mo0.73%Open Newport Beach Hub →
Whittier, CA (LOS ANGELES County County)94,432$730,000$4,850/mo0.78%Open Whittier Hub →
Hawthorne, CA (LOS ANGELES County County)93,957$700,000$4,650/mo0.72%Open Hawthorne Hub →
Citrus Heights, CA (SACRAMENTO County County)92,961$740,000$4,900/mo0.8%Open Citrus Heights Hub →
Livermore, CA (ALAMEDA County County)92,820$655,000$4,400/mo0.72%Open Livermore Hub →
Tracy, CA (SAN JOAQUIN County County)92,313$750,000$4,950/mo0.81%Open Tracy Hub →
Alhambra, CA (LOS ANGELES County County)92,189$775,000$5,100/mo0.78%Open Alhambra Hub →
Indio, CA (RIVERSIDE County County)91,058$750,000$4,950/mo0.81%Open Indio Hub →
Menifee, CA (RIVERSIDE County County)90,957$665,000$4,450/mo0.73%Open Menifee Hub →
Buena Park, CA (ORANGE County County)90,341$765,000$5,050/mo0.77%Open Buena Park Hub →
Hemet, CA (RIVERSIDE County County)89,108$725,000$4,800/mo0.77%Open Hemet Hub →
Lakewood, CA (LOS ANGELES County County)88,422$715,000$4,750/mo0.75%Open Lakewood Hub →
Merced, CA (MERCED County County)88,401$740,000$4,900/mo0.8%Open Merced Hub →
Chino, CA (SAN BERNARDINO County County)88,277$740,000$4,900/mo0.8%Open Chino Hub →
Redwood City, CA (SAN MATEO County County)88,150$655,000$4,400/mo0.72%Open Redwood City Hub →
Lake Forest, CA (ORANGE County County)86,450$715,000$4,750/mo0.75%Open Lake Forest Hub →
Napa, CA (NAPA County County)86,184$705,000$4,700/mo0.73%Open Napa Hub →
Tustin, CA (ORANGE County County)85,376$715,000$4,750/mo0.75%Open Tustin Hub →
Mountain View, CA (SANTA CLARA County County)84,852$725,000$4,800/mo0.77%Open Mountain View Hub →
Bellflower, CA (LOS ANGELES County County)84,576$730,000$4,850/mo0.78%Open Bellflower Hub →
Baldwin Park, CA (LOS ANGELES County County)83,532$775,000$5,100/mo0.78%Open Baldwin Park Hub →
Chino Hills, CA (SAN BERNARDINO County County)83,463$730,000$4,850/mo0.78%Open Chino Hills Hub →
Alameda, CA (ALAMEDA County County)83,297$740,000$4,900/mo0.8%Open Alameda Hub →
Upland, CA (SAN BERNARDINO County County)82,200$655,000$4,400/mo0.72%Open Upland Hub →
San Ramon, CA (CONTRA COSTA County County)81,219$750,000$4,950/mo0.81%Open San Ramon Hub →
Pleasanton, CA (ALAMEDA County County)80,780$665,000$4,450/mo0.73%Open Pleasanton Hub →
Folsom, CA (SACRAMENTO County County)79,677$665,000$4,450/mo0.73%Open Folsom Hub →
Union City, CA (ALAMEDA County County)79,056$705,000$4,700/mo0.73%Open Union City Hub →
Perris, CA (RIVERSIDE County County)78,835$690,000$4,600/mo0.7%Open Perris Hub →
Manteca, CA (SAN JOAQUIN County County)78,423$730,000$4,850/mo0.78%Open Manteca Hub →
Lynwood, CA (LOS ANGELES County County)77,794$760,000$5,000/mo0.75%Open Lynwood Hub →
Apple Valley, CA (SAN BERNARDINO County County)77,307$760,000$5,000/mo0.75%Open Apple Valley Hub →
Turlock, CA (STANISLAUS County County)76,698$665,000$4,450/mo0.73%Open Turlock Hub →
Redlands, CA (SAN BERNARDINO County County)76,299$740,000$4,900/mo0.8%Open Redlands Hub →
Milpitas, CA (SANTA CLARA County County)76,063$725,000$4,800/mo0.77%Open Milpitas Hub →
Rancho Cordova, CA (SACRAMENTO County County)74,023$730,000$4,850/mo0.78%Open Rancho Cordova Hub →
Redondo Beach, CA (LOS ANGELES County County)73,918$680,000$4,550/mo0.69%Open Redondo Beach Hub →
Yorba Linda, CA (ORANGE County County)73,065$680,000$4,550/mo0.69%Open Yorba Linda Hub →
Walnut Creek, CA (CONTRA COSTA County County)72,921$740,000$4,900/mo0.8%Open Walnut Creek Hub →
Pittsburg, CA (CONTRA COSTA County County)72,698$655,000$4,400/mo0.72%Open Pittsburg Hub →
Palo Alto, CA (SANTA CLARA County County)72,640$665,000$4,450/mo0.73%Open Palo Alto Hub →
Davis, CA (YOLO County County)72,163$740,000$4,900/mo0.8%Open Davis Hub →
South San Francisco, CA (SAN MATEO County County)72,130$690,000$4,600/mo0.7%Open South San Francisco Hub →
Camarillo, CA (VENTURA County County)72,034$730,000$4,850/mo0.78%Open Camarillo Hub →
Yuba City, CA (SUTTER County County)71,303$725,000$4,800/mo0.77%Open Yuba City Hub →
San Clemente, CA (ORANGE County County)70,894$655,000$4,400/mo0.72%Open San Clemente Hub →
Laguna Niguel, CA (ORANGE County County)70,471$670,000$4,500/mo0.75%Open Laguna Niguel Hub →
Pico Rivera, CA (LOS ANGELES County County)69,510$655,000$4,400/mo0.72%Open Pico Rivera Hub →
Montebello, CA (LOS ANGELES County County)69,210$715,000$4,750/mo0.75%Open Montebello Hub →
Lodi, CA (SAN JOAQUIN County County)69,038$740,000$4,900/mo0.8%Open Lodi Hub →
Madera, CA (MADERA County County)68,784$775,000$5,100/mo0.78%Open Madera Hub →
Santa Cruz, CA (SANTA CRUZ County County)68,522$700,000$4,650/mo0.72%Open Santa Cruz Hub →
La Habra, CA (ORANGE County County)67,202$760,000$5,000/mo0.75%Open La Habra Hub →
Encinitas, CA (SAN DIEGO County County)67,131$765,000$5,050/mo0.77%Open Encinitas Hub →
Tulare, CA (TULARE County County)66,675$765,000$5,050/mo0.77%Open Tulare Hub →
Monterey Park, CA (LOS ANGELES County County)66,583$750,000$4,950/mo0.81%Open Monterey Park Hub →
Cupertino, CA (SANTA CLARA County County)65,606$655,000$4,400/mo0.72%Open Cupertino Hub →
Gardena, CA (LOS ANGELES County County)65,353$730,000$4,850/mo0.78%Open Gardena Hub →
National City, CA (SAN DIEGO County County)65,219$655,000$4,400/mo0.72%Open National City Hub →
Rocklin, CA (PLACER County County)65,114$730,000$4,850/mo0.78%Open Rocklin Hub →
Petaluma, CA (SONOMA County County)64,790$680,000$4,550/mo0.69%Open Petaluma Hub →
San Rafael, CA (MARIN County County)64,303$765,000$5,050/mo0.77%Open San Rafael Hub →
Huntington Park, CA (LOS ANGELES County County)64,178$740,000$4,900/mo0.8%Open Huntington Park Hub →
La Mesa, CA (SAN DIEGO County County)63,920$690,000$4,600/mo0.7%Open La Mesa Hub →
Arcadia, CA (LOS ANGELES County County)62,827$705,000$4,700/mo0.73%Open Arcadia Hub →
Lake Elsinore, CA (RIVERSIDE County County)62,702$665,000$4,450/mo0.73%Open Lake Elsinore Hub →
Fountain Valley, CA (ORANGE County County)61,811$705,000$4,700/mo0.73%Open Fountain Valley Hub →
Woodland, CA (YOLO County County)61,683$715,000$4,750/mo0.75%Open Woodland Hub →
Diamond Bar, CA (LOS ANGELES County County)61,529$760,000$5,000/mo0.75%Open Diamond Bar Hub →
Santee, CA (SAN DIEGO County County)61,154$730,000$4,850/mo0.78%Open Santee Hub →
Eastvale, CA (Eastvale Metro County County)60,158$705,000$4,700/mo0.73%Open Eastvale Hub →
Porterville, CA (TULARE County County)60,140$730,000$4,850/mo0.78%Open Porterville Hub →
Brentwood, CA (CONTRA COSTA County County)59,950$765,000$5,050/mo0.77%Open Brentwood Hub →
Paramount, CA (LOS ANGELES County County)59,928$765,000$5,050/mo0.77%Open Paramount Hub →
Hanford, CA (KINGS County County)59,608$760,000$5,000/mo0.75%Open Hanford Hub →
Rosemead, CA (LOS ANGELES County County)59,471$665,000$4,450/mo0.73%Open Rosemead Hub →
Highland, CA (SAN BERNARDINO County County)59,177$730,000$4,850/mo0.78%Open Highland Hub →
Novato, CA (MARIN County County)59,071$670,000$4,500/mo0.75%Open Novato Hub →
Colton, CA (SAN BERNARDINO County County)58,035$700,000$4,650/mo0.72%Open Colton Hub →
Cathedral City, CA (RIVERSIDE County County)57,745$690,000$4,600/mo0.7%Open Cathedral City Hub →
Yucaipa, CA (SAN BERNARDINO County County)57,264$760,000$5,000/mo0.75%Open Yucaipa Hub →
Watsonville, CA (SANTA CRUZ County County)57,200$730,000$4,850/mo0.78%Open Watsonville Hub →
Delano, CA (KERN County County)57,119$670,000$4,500/mo0.75%Open Delano Hub →
Placentia, CA (ORANGE County County)56,905$725,000$4,800/mo0.77%Open Placentia Hub →
Dublin, CA (ALAMEDA County County)56,794$715,000$4,750/mo0.75%Open Dublin Hub →
Gilroy, CA (SANTA CLARA County County)56,354$665,000$4,450/mo0.73%Open Gilroy Hub →
Glendora, CA (LOS ANGELES County County)55,671$750,000$4,950/mo0.81%Open Glendora Hub →
Palm Desert, CA (RIVERSIDE County County)55,054$700,000$4,650/mo0.72%Open Palm Desert Hub →
Aliso Viejo, CA (ORANGE County County)54,691$775,000$5,100/mo0.78%Open Aliso Viejo Hub →
West Sacramento, CA (YOLO County County)54,381$730,000$4,850/mo0.78%Open West Sacramento Hub →
Cerritos, CA (LOS ANGELES County County)54,181$690,000$4,600/mo0.7%Open Cerritos Hub →
Poway, CA (SAN DIEGO County County)53,865$665,000$4,450/mo0.73%Open Poway Hub →
Rancho Santa Margarita, CA (ORANGE County County)53,659$700,000$4,650/mo0.72%Open Rancho Santa Margarita Hub →
La Mirada, CA (LOS ANGELES County County)53,555$665,000$4,450/mo0.73%Open La Mirada Hub →
Cypress, CA (ORANGE County County)53,505$730,000$4,850/mo0.78%Open Cypress Hub →
Covina, CA (LOS ANGELES County County)52,874$775,000$5,100/mo0.78%Open Covina Hub →
Azusa, CA (LOS ANGELES County County)52,148$750,000$4,950/mo0.81%Open Azusa Hub →
Ceres, CA (STANISLAUS County County)50,918$655,000$4,400/mo0.72%Open Ceres Hub →
San Luis Obispo, CA (SAN LUIS OBISPO County County)50,551$665,000$4,450/mo0.73%Open San Luis Obispo Hub →
Palm Springs, CA (RIVERSIDE County County)50,446$730,000$4,850/mo0.78%Open Palm Springs Hub →

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California (CA) 2026 DSCR, Cap Rate & Rental Market Intelligence Report | investmentpropertyloan.loan