ZIP CODE 79912 // EL PASO, TX // DATA AS OF 2026-09-30
El Paso, TX (79912) Rental Property Cap Rate & Cash Flow Report
Located in El Paso County (El Paso, TX), Zip Code 79912 ranks #253 of 500 within this selected sample (50th percentile) with a Zillow ZHVI typical home-value index of $320,367 (+2.6% YoY) and a ZORI observed market rent of $1,554/mo (+3.2% YoY). Requires at least 59.2% 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
-$794/mo
Annual: -$9,527/yr
Modeled Cap Rate
3.09%
NOI: $9,913/yr
Cash-on-Cash Return
-12.93%
Cash Needed: $73,684
1% Rule Ratio
0.49%
Gross Yield: 5.82%
Break-Even Rent
$2,467/mo
State Tax: 1.47%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 79912 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (TX Avg 1.47%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$1,620/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$728/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (79912)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2022 | $282,874 | $1,380/mo | 5.85% |
| 2023 | $299,633 | $1,435/mo | 5.75% |
| 2024 | $310,719 | $1,467/mo | 5.67% |
| 2025 | $312,206 | $1,506/mo | 5.79% |
| 2026 | $320,367 | $1,554/mo | 5.82% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 75002 Allen, TX | $451,769 | $2,175/mo | 3.06% | -$1,134/mo |
| 77375 Tomball, TX | $355,110 | $1,679/mo | 2.97% | -$918/mo |
| 77584 Pearland, TX | $382,920 | $1,905/mo | 3.22% | -$908/mo |
| 78253 San Antonio, TX | $319,964 | $1,592/mo | 3.22% | -$758/mo |
| 77429 Cypress, TX | $373,727 | $1,862/mo | 3.23% | -$883/mo |
| 77450 Katy, TX | $374,993 | $1,763/mo | 2.94% | -$978/mo |