ZIP CODE 77521 // HOUSTON-THE WOODLANDS-SUGAR LAND, TX // DATA AS OF 2026-09-30
Baytown, TX (77521) Rental Property Cap Rate & Cash Flow Report
Located in Harris County (Baytown, TX), Zip Code 77521 ranks #98 of 500 within this selected sample (81th percentile) with a Zillow ZHVI typical home-value index of $252,797 (-0.9% YoY) and a ZORI observed market rent of $1,547/mo (-1.3% YoY). Requires at least 41.7% down payment at 6.5% interest to reach $0/mo break-even cash flow. This model combines different housing populations; it is not an observed average property return. Costs assume state-average tax, 0.5% annual insurance, 13% reserves and no HOA or management. Figures below follow your edits; this headline describes the original benchmark.
Net Monthly Cash Flow
-$347/mo
Annual: -$4,169/yr
Modeled Cap Rate
4.42%
NOI: $11,171/yr
Cash-on-Cash Return
-7.17%
Cash Needed: $58,143
1% Rule Ratio
0.61%
Gross Yield: 7.34%
Break-Even Rent
$1,946/mo
State Tax: 1.47%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 77521 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (TX Avg 1.47%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$1,278/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$616/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (77521)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2021 | $226,593 | $1,327/mo | 7.03% |
| 2022 | $262,811 | $1,473/mo | 6.73% |
| 2023 | $257,546 | $1,511/mo | 7.04% |
| 2024 | $254,435 | $1,532/mo | 7.23% |
| 2025 | $255,005 | $1,567/mo | 7.37% |
| 2026 | $252,797 | $1,547/mo | 7.34% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 77396 Humble, TX | $256,356 | $1,555/mo | 4.36% | -$364/mo |
| 75068 Little Elm, TX | $390,972 | $2,317/mo | 4.22% | -$603/mo |
| 77469 Rosenberg, TX | $337,049 | $1,994/mo | 4.21% | -$523/mo |
| 78254 San Antonio, TX | $304,573 | $1,801/mo | 4.20% | -$473/mo |
| 77346 Atascocita, TX | $307,801 | $1,814/mo | 4.18% | -$484/mo |
| 77036 Houston, TX | $159,566 | $934/mo | 4.14% | -$256/mo |