Rent vs buy in Yucaipa, CA
Yucaipa, California rent and home figures. The typical monthly rent is $2,199, and the typical home price is $574,481.
Renting comes out ahead by $36k across 7 years
It assumes 20% down and today's mortgage rate, based on Yucaipa's typical rent plus its typical home value. The break-even point is year 11.
A clearly labeled opinion with the math shown. These are estimates, not quotes. Change any number and the stamp will change.
- Renting leads by
- $36k after 7 years
- Break-even point
- year 11 when owning catches up
- Full cost of ownership
- $4,932 /mo year 1, against $2,199 rent
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Which costs less in Yucaipa, renting or buying?
Renting costs $35,609 less over 7 years, including the money you get back when you sell. For the first 10 years, renting costs less. By year 11, owning has caught up.
Rent. Own. Net cost to date, by year.
Average rent versus mortgage payments in Yucaipa
Rent and mortgage payments don’t tell the whole story. Here are all monthly costs in year 1, based on Yucaipa's typical price.
| Each month, year 1 | Amount | What it is |
|---|---|---|
| Rent | $2,199 | All of it, every month |
| Mortgage payment | $3,132 | $2,761 of it is interest in year 1 |
| Property tax | $397 | 0.83% of the value a year |
| Insurance | $122 | Census median for the city |
| Upkeep | $479 | 1% of the value a year |
| Owning, cash out | $4,130 | $371 of it builds equity |
| Lost return on the down payment | $934 | At 8.3% a year, this cash would earn: |
| Buying costs, spread out | $239 | 3.5% of the price over 7 years |
| True cost of owning | $4,932 | Cash paid out, minus equity, plus both lines listed above |
The figures behind Yucaipa's result
- Typical home valueZillow ZHVI, September 2026
- $574,481
- Typical rentZillow ZORI, September 2026
- $2,199 /mo
- Down payment20% avoids private mortgage insurance, which the engine does not model
- 20%
- Mortgage rateFreddie Mac Primary Mortgage Market Survey (FRED MORTGAGE30US)
- 7.24%
- Home price growthFHFA house price index, California, 1995 to 2025
- 5.3% a year
- Rent growthCPI rent of primary residence, yearly growth 2006 to 2026
- 3.5% a year
- Return on savings60% S&P 500 with dividends and 40% 10-year Treasuries, rebalanced yearly, 1928 to 2025
- 8.3% a year
- Property taxCensus ACS 2020-2024, Yucaipa
- 0.83% of value
- Home insuranceCensus ACS 2020-2024, Yucaipa
- $122 /mo
- MaintenanceFannie Mae, low end of 1% to 4%
- 1% of value a year
- Buying costsFreddie Mac, middle of 2% to 5%
- 3.5% of price
- Selling costsAgent commission plus closing costs
- 6% of price
What would reverse the result in Yucaipa?
Each line marks the point where the 7-year verdict for Yucaipa changes, while all other inputs stay the same.
Renting comes out ahead when
- Annual home price growth stays below 6.0%. We calculate with 5.3%. This is California's rate over the long run.
- The mortgage rate remains higher than 6.14%.
- For a home like this, monthly rent is under $2,580 (the typical local figure is $2,199).
- Before year 11, you move.
Buying comes out ahead when
- Home prices increase by more than 6.0% each year.
- You secure a mortgage rate under 6.14% (today's is 7.24%).
- The monthly rent for that same home would exceed $2,580.
- You remain there for 11 years or more.
How Yucaipa compares with 812 other cities
| Measure | Yucaipa | Median city |
|---|---|---|
| Typical home value | $574,481 | $422,451 |
| Typical rent | $2,199 /mo | $1,837 /mo |
| Price-to-rent ratio | 21.8 (#256 of 813) | 18.5 |
| Home prices, last 10 years | 6.1% a year | 6.2% a year |
| Property tax | 0.83% | 0.87% |
| Households that rent | 27% | 42% |
Sources: Zillow ZHVI and ZORI, Census ACS 2020-2024.
More cities across California
- Rent. Los Angeles, CA. Renting comes out ahead by $111k.
- Rent. San Diego, CA. Renting comes out ahead by $108k.
- Rent. San Jose, CA. Renting comes out ahead by $210k.
- Rent. San Francisco, CA. Renting comes out ahead by $128k.
- Buy. Fresno, CA. Buying comes out ahead by $22k.
- Toss-up. Sacramento, CA. It's close, but renting leads by $3k.
- Rent. Long Beach, CA. Renting comes out ahead by $111k.
- Rent. Oakland, CA. Renting comes out ahead by $44k.
- Buy. Bakersfield, CA. Buying comes out ahead by $11k.
- Rent. Anaheim, CA. Renting comes out ahead by $115k.
- Buy. Stockton, CA. Buying comes out ahead by $16k.
- The rent verdict for Riverside, CA favors renting by $27k.