Gross rental yield
0.00%
Annual rent ÷ purchase price
Free rental property calculator
Houston Rental Property Cash Flow & ROI Calculator
Houston can offer strong rent-to-price ratios, but its property taxes and insurance exposure demand careful underwriting.
Your assumptions
Property inputs
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Advanced underwriting assumptions
Add vacancy, management, reserves and acquisition costs for a more conservative estimate.
Investment snapshot
Your estimated returns
Net rental yield
0.00%
After tax, insurance & HOA
Cap rate
0.00%
Net operating income ÷ price
Estimated mortgage payment
$0
Monthly principal and interest
Net operating income
$0
Annual income before debt service
Cash-on-cash return
0.00%
Annual cash flow ÷ cash invested
DSCR
0.00×
NOI ÷ annual debt service
Break-even occupancy
0.00%
Occupancy needed to cover costs
Total cash invested
$0
Down payment, closing and repairs
Monthly net cash flow
+$0
After vacancy, operating costs, reserves and mortgage debt service.
Annual cash flow$0
Annual operating expenses$0
Planning estimate only. Verify actual taxes, insurance, financing, rents, vacancy and property condition before making an investment decision.
Local investor guide
How to read this Houston, TX rental estimate
The most common underwriting mistake is treating rent as income that is almost entirely available to the owner. Taxes, insurance, repairs, vacancy, utilities, and management compete for every dollar.
For the benchmark assumptions on this page, Houston, TX has a purchase price of $330,000 and monthly rent of $2,100. That is approximately a 7.64% gross rental yield before expenses. The 2.00% tax assumption represents roughly $6,600 per year before insurance, HOA, maintenance, vacancy, management, and financing. Treat these numbers as a starting point, not a valuation.
Texas investors should pay particular attention to county appraisal changes, property-tax protests, wind or hail coverage, and rising insurance premiums. Get an insurance quote and the current tax record for the specific address. If the property is financed, include closing costs, lender escrows, reserves, and required repairs in your cash invested.
For a deeper explanation of how taxes flow through operating income, read the property-tax guide. Then compare the result with Austin calculator, Dallas calculator, San Antonio calculator and revisit the assumptions whenever rent, taxes, or insurance changes.
Before you make an offer
- Run a base case, a higher-expense case, and a lower-rent case.
- Separate recurring operating expenses from one-time renovation costs.
- Read the rental yield vs. cap rate guide before comparing deals.
- Use the cash-flow walkthrough to check vacancy, reserves, and debt service.