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1456 E Philadelphia St Spc 176
C+ Composite 62.4
Why this score? — see what drove the C+ grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

  • Cash flow +30.0/30.0
  • 1% rule +10.0/10.0
  • DSCR +10.0/10.0
  • Schools +3.7/10.0
  • Livability +3.2/5.0
  • Rent growth +3.1/5.0
  • Condition / age +2.5/5.0
  • ARV discount +0.0/15.0
  • Appreciation +0.0/10.0

$177,999

1456 E Philadelphia St Spc 176 · Ontario, CA 91761
3 bd · 2.0 ba · 1,456 sqft · Manufactured public records · 123 Days on market
Built 2000 Est $146k · 22% over

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

REMODELED HOME, IN MINT CONDITION! THIS BEAUTIFUL HOME HAS IT ALL!!!! GRANITE IN KITCHEN, AND BATHS. NEW CARPET, UTILITY ROOM. FIREPLACE, MASTER BATH HAS JACUZZI, CEILING FANS NEW FRONT DOOR. ROOM IN BACK FOR A SMALL DOG. CLOSE TO GUEST PARKING. THIS HOME ALSO INCLUDES A SPACIOUS DOUBLE DOOR ENTRY PRIVATE OFFICE. HIS AND HER VANITY SINKS AND SEPARATE SHOWER, TWO LARGE CLOSETS IN MASTER BEDROOM. NEW PAINT, KITCHEN HAS AMAZING OVERSIZED CENTER ISLAND AND STAINLESS STEEL SINK. PLENTY OF CABINET SPACE THROUGHOUT, RARE FIND. .. HOME COMES WITH SPACE FOR 3 CAR PARKING. ADDITIONAL SPACIOUS OUT- DOOR STORAGE SHED AT REAR OF HOME. PARK AMENITIES: HEATED POOL, TWO JACUZZIS, GYM, HIS AND HERS SAUNA, GAME ROOM, BEAUTIFUL BILLIARD AND PING PONG TABLES, LIBRARY, TENNIS COURTS, DOG PARK, MUCH MUCH MORE COME AND SEE!!!!! HOME WILL BE SOLD "AS IS" ( THIS IS A 55 OR OLDER PARK!!!!!) approximately 1700 sq ft. $925 space rent (including water, trash, security, and all amenities) SELLER IS VERY MOTIVATED!!!!!!! BRING ALL OFFERS

Key facts

  • Clubhouse
  • Open concept
  • Main suite

Tags

MAIN SUITEOPEN CONCEPTHEATED POOLSPACLUBHOUSEBILLIARDS ROOM

Property features AI

Finance

  • Other: Park model identified as part of a multi-unit/double body setup; Living area source: public records; Directions: off Philadelphia St between Grove and Vineyard; Latitude/Longitude: 34.032327, -117.623064
  • Financial info: Land lease of $1,700 per month (park-managed)
  • HOA & community: Association amenities include spa, billiard room, pickleball, pool, barbecue, club house, bocce ball court, gym/exercise room, and dog park; Senior community; Community features include dog park and street lighting; Park name: Rancho Ontario; Manager approval required

Exterior

  • Parking: Carport parking; 3 carport/parking spaces; RV parking available for a fee
  • Utilities: Public sewer; District/public water
  • Home design: Single-story mobile home; Facing information not provided; Entry located on Philadelphia
  • Construction: Mobile width 26 ft, length 56 ft; Total of 1 story; Year built source: public records
  • Exterior features: Community in-ground heated gunite pool; No fencing; 6–10 units per acre density; One shed on property; Mobile home remains on site; Model: Oakmanor

Interior

  • Bathrooms: 2 full bathrooms
  • Interior features: One-level layout; In-ground, heated gunite spa (community); Spa on site
  • Laundry & utility: Community laundry; Washer included; Dryer included

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 3-bed/2.0-bath manufactured listed at $178k.

Deal economics

  • At list price, monthly cash flow is $1k ($18k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($3k rent vs $178k).
  • Recommended offer: $157k (12.0% below list) — sets the bar for market timing.
  • Cap rate 16.4% vs local median 2.7% in Ontario — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

  • Location reads 63/100 on livability (#435 in CA) — a middle-class / working-renter tenant base. Strengths: commute A-, housing B+; Watch: schools F, cost of living F, health & safety F.
  • Ontario-Montclair (urban): math 35% / reading 44% proficiency, ranked #731 of 1,400 in CA (top 52%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 75% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Market conditions: Rents rising (+2.4%/yr); 320 active listings in the ZIP; 10 comparable units currently listed for rent nearby; rentals leasing fast (median 0d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 5,458 units permitted in San Bernardino County in 2024 (1,500 in 5+ unit buildings).
  • This rent runs 38% of the median local income ($101k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
  • San Bernardino County population projected at +15% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
  • At projected returns (-3.0% appreciation + 2.4% rent growth), your $50k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 123 days — a 12% lower offer ($157k) is reasonable based on typical stale-listing flexibility.
  • 3 sale attempts since 14y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
  • Current owner paid $96k; list at $178k implies a 85% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

  • Climate carrying-cost: extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $156,639 (12.0% below list)

Questions for the listing agent

  1. It's been on market 123 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  4. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
  5. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
  6. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
  7. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

1% rule
1.81%
Cap rate
16.36%
Cash-on-cash
35.96%
DSCR
2.60
GRM
4.6

CMA / ARV

ARV (on-the-fly)
$145,600
Comps found
12
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
1456 E Philadelphia St Spc 390 0.00mi 3/2.0 1,469 (+1%) 1mo $180,000 $123 98
1456 E Philadelphia #2 0.00mi 3/2.0 1,425 (-2%) 3mo $187,000 $131 94
1456 E Philadelphia St Spc 424 0.00mi 3/2.0 1,536 (+6%) 2mo $80,000 $52 89
1456 E Philadelphia St #300 0.00mi 3/2.0 1,440 (-1%) 15mo $164,900 $115 85
1456 E Philadelphia St #230 0.00mi 3/2.0 1,495 (+3%) 15mo $120,000 $80 83
1456 E Philadelphia #372 0.00mi 3/2.0 1,600 (+10%) 2mo $96,000 $60 82
1456 E Philadelphia #24 0.00mi 2/2.0 (-1) 1,536 (+6%) 5mo $130,000 $85 82
1456 E Philadelphia St Spc 444 0.00mi 3/2.0 1,560 (+7%) 11mo $150,000 $96 79
1456 E Philadelphia St #101 0.00mi 3/2.0 1,602 (+10%) 15mo $186,000 $116 71
1456 E Philadelphia St Spc 41 0.00mi 2/2.0 (-1) 1,248 (-14%) 1mo $161,000 $129 70
1456 E Philadelphia St Spc 344 0.00mi 3/2.0 1,670 (+15%) 12mo $140,000 $84 66
1456 E Philadelphia St #108 0.00mi 2/2.0 (-1) 1,248 (-14%) 10mo $125,000 $100 63

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 2.39% rent growth · sell at horizon

5-year hold
IRR
31.0%
Equity multiple
2.29×
Total profit
$64,265
Equity at exit
$26,540
10-year hold
IRR
37.8%
Equity multiple
4.42×
Total profit
$170,249
Equity at exit
$15,390

Cash invested: $49,840 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
18 Strongly Tenant-Friendly
State California
18 Strongly Tenant-Friendly · D+13
County
— inherits STATE
City
— inherits STATE
AB1482 statewide rent cap (10% + CPI). Cities (SF/LA/Berkeley) layer stricter rules. Just-cause statewide.

ZIP-level market 91761

Rents YoY
2.4%
Active inventory
320
Price-to-rent
4.6×

Monthly cashflow live

Estimated rent
$3,216 high interval (Pro) →
Mortgage (P&I)
$933
Tax from tax record
$39 /mo · $468/yr
Insurance
$74
HOA
$0
Vacancy / Maint / Mgmt
$675
Net cashflow
$1,494

Break-even live

Break-even rent $1,325
Max offer price $177,999
Occupancy floor 49%

Sensitivity live

Price -10% $1,594 -5% $1,544 +0% $1,494 +5% $1,443 +10% $1,393
Rent -10% $1,240 -5% $1,367 +0% $1,494 +5% $1,621 +10% $1,748
Rate -1.0pp $1,583 -0.5pp $1,539 base $1,494 +0.5pp $1,448 +1.0pp $1,401

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

Down payment
$44,500
Closing costs
$5,340
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 10 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
1110 E Philadelphia St Ontario, CA 1.0–2.0 1.0–2.0 904 $3,207 $3.55 0d 13 0.47mi
2432 S Garfield Pl Ontario, CA 3.0 2.0 1118 $3,150 $2.82 0d 1 0.66mi
2631 S Cucamonga Ave Ontario, CA 3.0 2.5 1726 $3,400 $1.97 44d 1 0.71mi
2815 S Augusta Ave Ontario, CA 4.0 2.0 1524 $3,600 $2.36 0d 1 0.77mi
2042 S Bon View Ave Unit C Ontario, CA 2.0 2.5 1364 $2,700 $1.98 0d 1 0.85mi
629 E Madeleine Privado Ontario, CA 3.0 2.5 1465 $3,350 $2.29 44d 1 1.29mi
629 E Madeleine Privado Ontario, CA 3.0 2.5 1465 $3,250 $2.22 22d 1 1.29mi
2057 S Cherry Ave Ontario, CA 4.0 2.0 1236 $3,500 $2.83 0d 1 1.36mi
619 E Riverside Dr Ontario, CA 1.0–2.0 1.0–2.0 866 $2,295 $2.65 0d 3 1.43mi
551 E Riverside Dr Ontario, CA 1.0–2.0 1.0–2.0 782 $2,665 $3.41 4d 12 1.49mi

Listing history 25 events

  1. 2026-06-21
    days on market $177,999 Active 123 DOM
  2. 2026-06-18
    days on market $177,999 Active 120 DOM
  3. 2026-06-17
    days on market $177,999 Active 119 DOM
  4. 2026-06-16
    days on market $177,999 Active 118 DOM
  5. 2026-06-15
    days on market $177,999 Active 117 DOM
  6. 2026-06-13
    days on market $177,999 Active 115 DOM
  7. 2026-06-13
    days on market $177,999 Active 114 DOM
  8. 2026-06-09
    days on market $177,999 Active 111 DOM
  9. 2026-06-08
    days on market $177,999 Active 110 DOM
  10. 2026-06-07
    days on market $177,999 Active 109 DOM
  11. 2026-06-04
    days on market $177,999 Active 106 DOM
  12. 2026-06-03
    days on market $177,999 Active 105 DOM
  13. 2026-06-02
    days on market $177,999 Active 104 DOM
  14. 2026-06-01
    days on market $177,999 Active 103 DOM
  15. 2026-05-31
    days on market $177,999 Active 102 DOM
  16. 2026-05-14
    price $177,999
  17. 2026-02-18
    listed $179,000 Active
  18. 2018-02-09
    soldstatus $96,000 Closed Sale 1060-char remark
    Show marketing remark (1060 chars)

    REMODELED HOME, IN MINT CONDITION! THIS BEAUTIFUL HOME HAS IT ALL!!!! GRANITE IN KITCHEN, AND BATHS. NEW CARPET, UTILITY ROOM. FIREPLACE, MASTER BATH HAS JACUZZI, CEILING FANS NEW FRONT DOOR. ROOM IN BACK FOR A SMALL DOG. CLOSE TO GUEST PARKING. THIS HOME ALSO INCLUDES A SPACIOUS DOUBLE DOOR ENTRY PRIVATE OFFICE. HIS AND HER VANITY SINKS AND SEPARATE SHOWER, TWO LARGE CLOSETS IN MASTER BEDROOM. NEW PAINT, KITCHEN HAS AMAZING OVERSIZED CENTER ISLAND AND STAINLESS STEEL SINK. PLENTY OF CABINET SPACE THROUGHOUT, RARE FIND. .. HOME COMES WITH SPACE FOR 3 CAR PARKING. ADDITIONAL SPACIOUS OUT- DOOR STORAGE SHED AT REAR OF HOME. PARK AMENITIES: HEATED POOL, TWO JACUZZIS, GYM, HIS AND HERS SAUNA, GAME ROOM, BEAUTIFUL BILLIARD AND PING PONG TABLES, LIBRARY, TENNIS COURTS, DOG PARK, MUCH MUCH MORE COME AND SEE!!!!! HOME WILL BE SOLD "AS IS" ( THIS IS A 55 OR OLDER PARK!!!!!) approximately 1700 sq ft. $925 space rent (including water, trash, security, and all amenities) SELLER IS VERY MOTIVATED!!!!!!! BRING ALL OFFERS

  19. 2018-02-05
    status Pending Sale 1060-char remark
    Show marketing remark (1060 chars)

    REMODELED HOME, IN MINT CONDITION! THIS BEAUTIFUL HOME HAS IT ALL!!!! GRANITE IN KITCHEN, AND BATHS. NEW CARPET, UTILITY ROOM. FIREPLACE, MASTER BATH HAS JACUZZI, CEILING FANS NEW FRONT DOOR. ROOM IN BACK FOR A SMALL DOG. CLOSE TO GUEST PARKING. THIS HOME ALSO INCLUDES A SPACIOUS DOUBLE DOOR ENTRY PRIVATE OFFICE. HIS AND HER VANITY SINKS AND SEPARATE SHOWER, TWO LARGE CLOSETS IN MASTER BEDROOM. NEW PAINT, KITCHEN HAS AMAZING OVERSIZED CENTER ISLAND AND STAINLESS STEEL SINK. PLENTY OF CABINET SPACE THROUGHOUT, RARE FIND. .. HOME COMES WITH SPACE FOR 3 CAR PARKING. ADDITIONAL SPACIOUS OUT- DOOR STORAGE SHED AT REAR OF HOME. PARK AMENITIES: HEATED POOL, TWO JACUZZIS, GYM, HIS AND HERS SAUNA, GAME ROOM, BEAUTIFUL BILLIARD AND PING PONG TABLES, LIBRARY, TENNIS COURTS, DOG PARK, MUCH MUCH MORE COME AND SEE!!!!! HOME WILL BE SOLD "AS IS" ( THIS IS A 55 OR OLDER PARK!!!!!) approximately 1700 sq ft. $925 space rent (including water, trash, security, and all amenities) SELLER IS VERY MOTIVATED!!!!!!! BRING ALL OFFERS

  20. 2018-01-04
    price $99,999 1060-char remark
    Show marketing remark (1060 chars)

    REMODELED HOME, IN MINT CONDITION! THIS BEAUTIFUL HOME HAS IT ALL!!!! GRANITE IN KITCHEN, AND BATHS. NEW CARPET, UTILITY ROOM. FIREPLACE, MASTER BATH HAS JACUZZI, CEILING FANS NEW FRONT DOOR. ROOM IN BACK FOR A SMALL DOG. CLOSE TO GUEST PARKING. THIS HOME ALSO INCLUDES A SPACIOUS DOUBLE DOOR ENTRY PRIVATE OFFICE. HIS AND HER VANITY SINKS AND SEPARATE SHOWER, TWO LARGE CLOSETS IN MASTER BEDROOM. NEW PAINT, KITCHEN HAS AMAZING OVERSIZED CENTER ISLAND AND STAINLESS STEEL SINK. PLENTY OF CABINET SPACE THROUGHOUT, RARE FIND. .. HOME COMES WITH SPACE FOR 3 CAR PARKING. ADDITIONAL SPACIOUS OUT- DOOR STORAGE SHED AT REAR OF HOME. PARK AMENITIES: HEATED POOL, TWO JACUZZIS, GYM, HIS AND HERS SAUNA, GAME ROOM, BEAUTIFUL BILLIARD AND PING PONG TABLES, LIBRARY, TENNIS COURTS, DOG PARK, MUCH MUCH MORE COME AND SEE!!!!! HOME WILL BE SOLD "AS IS" ( THIS IS A 55 OR OLDER PARK!!!!!) approximately 1700 sq ft. $925 space rent (including water, trash, security, and all amenities) SELLER IS VERY MOTIVATED!!!!!!! BRING ALL OFFERS

  21. 2017-12-11
    price $101,000 1060-char remark
    Show marketing remark (1060 chars)

    REMODELED HOME, IN MINT CONDITION! THIS BEAUTIFUL HOME HAS IT ALL!!!! GRANITE IN KITCHEN, AND BATHS. NEW CARPET, UTILITY ROOM. FIREPLACE, MASTER BATH HAS JACUZZI, CEILING FANS NEW FRONT DOOR. ROOM IN BACK FOR A SMALL DOG. CLOSE TO GUEST PARKING. THIS HOME ALSO INCLUDES A SPACIOUS DOUBLE DOOR ENTRY PRIVATE OFFICE. HIS AND HER VANITY SINKS AND SEPARATE SHOWER, TWO LARGE CLOSETS IN MASTER BEDROOM. NEW PAINT, KITCHEN HAS AMAZING OVERSIZED CENTER ISLAND AND STAINLESS STEEL SINK. PLENTY OF CABINET SPACE THROUGHOUT, RARE FIND. .. HOME COMES WITH SPACE FOR 3 CAR PARKING. ADDITIONAL SPACIOUS OUT- DOOR STORAGE SHED AT REAR OF HOME. PARK AMENITIES: HEATED POOL, TWO JACUZZIS, GYM, HIS AND HERS SAUNA, GAME ROOM, BEAUTIFUL BILLIARD AND PING PONG TABLES, LIBRARY, TENNIS COURTS, DOG PARK, MUCH MUCH MORE COME AND SEE!!!!! HOME WILL BE SOLD "AS IS" ( THIS IS A 55 OR OLDER PARK!!!!!) approximately 1700 sq ft. $925 space rent (including water, trash, security, and all amenities) SELLER IS VERY MOTIVATED!!!!!!! BRING ALL OFFERS

  22. 2017-11-16
    listed $106,000 Active 1060-char remark
    Show marketing remark (1060 chars)

    REMODELED HOME, IN MINT CONDITION! THIS BEAUTIFUL HOME HAS IT ALL!!!! GRANITE IN KITCHEN, AND BATHS. NEW CARPET, UTILITY ROOM. FIREPLACE, MASTER BATH HAS JACUZZI, CEILING FANS NEW FRONT DOOR. ROOM IN BACK FOR A SMALL DOG. CLOSE TO GUEST PARKING. THIS HOME ALSO INCLUDES A SPACIOUS DOUBLE DOOR ENTRY PRIVATE OFFICE. HIS AND HER VANITY SINKS AND SEPARATE SHOWER, TWO LARGE CLOSETS IN MASTER BEDROOM. NEW PAINT, KITCHEN HAS AMAZING OVERSIZED CENTER ISLAND AND STAINLESS STEEL SINK. PLENTY OF CABINET SPACE THROUGHOUT, RARE FIND. .. HOME COMES WITH SPACE FOR 3 CAR PARKING. ADDITIONAL SPACIOUS OUT- DOOR STORAGE SHED AT REAR OF HOME. PARK AMENITIES: HEATED POOL, TWO JACUZZIS, GYM, HIS AND HERS SAUNA, GAME ROOM, BEAUTIFUL BILLIARD AND PING PONG TABLES, LIBRARY, TENNIS COURTS, DOG PARK, MUCH MUCH MORE COME AND SEE!!!!! HOME WILL BE SOLD "AS IS" ( THIS IS A 55 OR OLDER PARK!!!!!) approximately 1700 sq ft. $925 space rent (including water, trash, security, and all amenities) SELLER IS VERY MOTIVATED!!!!!!! BRING ALL OFFERS

  23. 2013-06-25
    historical
  24. 2013-02-22
    price $69,000
  25. 2012-08-31
    listed $74,900 Active

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast CA · Resets to sale price

Current annual tax
$468 · $39/mo
Projected year-2 tax
$1,353 · $113/mo
Expected delta
+$885/yr (+$74/mo · 189.2%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

  • 🌊 Flood 4/10 Moderate FEMA zone X · 20% chance over 30 yrs
  • 🔥 Wildfire 1/10 Low
  • 🌡 Heat 8/10 Severe 7 d/yr ≥100°F today · 19 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 9/10 Extreme 23 unhealthy d/yr today · 26 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$38,587
− Mortgage interest
−$9,971
− Property taxes
−$468
− Insurance
−$890
− Repairs & maintenance
−$3,087
− Management
−$3,087
− Depreciation
−$5,178
Taxable income
$15,906
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$3,817
After-tax cash flow
$14,107/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

District
Ontario-Montclair
NCES district ID
0628470
Math proficiency
35% ▲ 4.00%
Reading proficiency
44% ▲ 2.00%
Median HH income
$50,668
Composite
36.57/100
National rank
#9282
State rank
#731 of 1400 in CA

Livability — Ontario

Score
63/100
State rank
#435
US rank
#14949

Category grades

Amenities C Commute A- Cost of living F Crime C+ Employment B- Housing B+ Health & safety F User ratings D-

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Ontario, CA
County
San Bernardino County · 2,030,291 people
City population
183,440
Metro
Riverside-San Bernardino-Ontario, CA
Population (ZIP)
62,935
Household income
$100,578
Rent vs Own
30.7% rent · 69.3% own
Severe rent burden
1853.0

Population outlook (San Bernardino County) Hauer SSP2

Today (2025)
2,300,329 people
By 2030
2,378,907 · +3.4%
By 2040
2,523,137 · +9.7%
By 2050
2,642,388 · +14.9%
By 2075
2,880,769 · +25.2%
By 2100
2,909,436 · +26.5%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly Hispanic (66%)
Race & ethnicity
Hispanic / Latino 66% Two or more races 23% White 15% Asian 9% Black 6% Native American 2%
Hispanic origin (detail)
Mexican 59%
Common ancestry
Iranian 1% Lithuanian 1% Italian 1%
Foreign-born
24% · Canada, China, Vietnam
Languages at home
51% English-only · Spanish 41% Chinese 3% Tagalog/Filipino 1%

Political lean MEDSL · San Bernardino

2024 margin
Toss-up / Even · D 47.5% · R 49.7% · Other 2.8%
2008→2024 swing
-8.5pp toward R · 2008: 6.3pp · 2024: -2.1pp
All cycles
2024: R+2.1 2020: D+10.7 2016: D+9.8 2012: D+5.4 2008: D+6.3

Not yet ingested

Civics

Market trends

HPI YoY
▼ -374.91%
Current HPI
400.5674
Rent YoY
▲ 2.39%
Metro
Riverside-San Bernardino-Ontario, CA
State GDP YoY
▲ 3.21%
F500 in state
116

Industry mix (Fortune 500 HQ in CA)

Industry F500 HQs Revenue

Price history

+137.6% since first listed
10 events — show timeline
  • 2026-05-14 Price Changed $177,999 CRMLS
  • 2026-02-18 Listed $179,000 CRMLS
  • 2018-02-09 Sold (MLS) $96,000 CRMLS
  • 2018-02-05 Pending CRMLS
  • 2018-01-04 Price Changed $99,999 CRMLS
  • 2017-12-11 Price Changed $101,000 CRMLS
  • 2017-11-16 Listed $106,000 CRMLS
  • 2013-06-25 Listing Removed CRMLS
  • 2013-02-22 Price Changed $69,000 CRMLS
  • 2012-08-31 Listed $74,900 CRMLS

Property tax history

-1.5%/yr

Latest (2025): $468 · +0.3% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…