ZIP CODE 77840 // COLLEGE STATION-BRYAN, TX // DATA AS OF 2026-09-30
College Station, TX (77840) Rental Property Cap Rate & Cash Flow Report
Located in Brazos County (College Station, TX), Zip Code 77840 ranks #68 of 500 within this selected sample (87th percentile) with a Zillow ZHVI typical home-value index of $286,872 (+2.1% YoY) and a ZORI observed market rent of $1,848/mo (-2.7% YoY). Requires at least 37.3% 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
-$314/mo
Annual: -$3,765/yr
Modeled Cap Rate
4.76%
NOI: $13,642/yr
Cash-on-Cash Return
-5.71%
Cash Needed: $65,981
1% Rule Ratio
0.64%
Gross Yield: 7.73%
Break-Even Rent
$2,209/mo
State Tax: 1.47%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 77840 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (TX Avg 1.47%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$1,451/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$711/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (77840)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2021 | $227,469 | $1,362/mo | 7.19% |
| 2022 | $253,410 | $1,480/mo | 7.01% |
| 2023 | $271,532 | $1,584/mo | 7.00% |
| 2024 | $277,434 | $1,736/mo | 7.51% |
| 2025 | $281,044 | $1,898/mo | 8.10% |
| 2026 | $286,872 | $1,848/mo | 7.73% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 79936 El Paso, TX | $224,897 | $1,440/mo | 4.71% | -$254/mo |
| 76179 Fort Worth, TX | $315,813 | $2,018/mo | 4.70% | -$360/mo |
| 78504 McAllen, TX | $263,666 | $1,684/mo | 4.70% | -$301/mo |
| 77044 Houston, TX | $284,438 | $1,859/mo | 4.85% | -$288/mo |
| 77493 Katy, TX | $335,766 | $2,197/mo | 4.86% | -$338/mo |
| 75211 Cockrell Hill, TX | $222,799 | $1,469/mo | 4.91% | -$214/mo |