INVESTMENT — RENTAL PROPERTY CALCULATOR

Rent it out.What is left each month?

Enter price, financing, rent and expenses to see monthly cash flow and returns. Austin-area MLS prices and tax rates are filled in to start.

Pick an area (fills price and tax rate)

Purchase price$

Down paymentMonthly rent$

Default rent is the Austin single-family lease median (MLS, Aug 2026).

Property tax rate%Insurance (yearly)$HOA (monthly)$Vacancy%Management (% of rent)%Repairs & upkeep (% of rent)%

Tax rate is the 2025 combined rate inside Austin city limits, Austin ISD (county + city + school district + fire/ACC where they apply). Rentals get no homestead exemption. Newer subdivisions may add a MUD tax, typically 0.2–1.0%.

Cash flow$608 / moYearly $7,298

Net operating income (NOI)$7,298Rent − vacancy − operating costs

Cap rate1.8%NOI ÷ price

Cash-on-cash return1.7%Cash flow ÷ cash invested

Cash to close$420,240Down payment + ~2% closing costs

Monthly rent vs. costs at a glance

Vacancy $108Property tax $704Insurance $410HOA $50Management $163Repairs $108Left over $608

For illustration only. Confirm loan terms, insurance and taxes with your lender, insurer and CPA.

Appreciation is not included — we do not promise future prices.

Depreciation and income-tax effects vary by person and are left out.

Defaults: Unlock MLS (2026 Jan–Aug area median prices; Aug 2026 single-family lease median), Travis, Williamson and Hays County tax offices (2025 combined rates by city), Freddie Mac PMMS (Sep 24, 2026), NerdWallet (Texas average insurance, 2026).

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