ZIP CODE 79936 // EL PASO, TX // DATA AS OF 2026-09-30
El Paso, TX (79936) Rental Property Cap Rate & Cash Flow Report
Located in El Paso County (El Paso, TX), Zip Code 79936 ranks #74 of 500 within this selected sample (85th percentile) with a Zillow ZHVI typical home-value index of $224,897 (+3.0% YoY) and a ZORI observed market rent of $1,440/mo (+4.4% YoY). Requires at least 37.8% 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
-$254/mo
Annual: -$3,043/yr
Modeled Cap Rate
4.71%
NOI: $10,604/yr
Cash-on-Cash Return
-5.88%
Cash Needed: $51,726
1% Rule Ratio
0.64%
Gross Yield: 7.68%
Break-Even Rent
$1,731/mo
State Tax: 1.47%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 79936 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (TX Avg 1.47%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$1,137/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$556/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (79936)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2021 | $166,472 | $1,080/mo | 7.79% |
| 2022 | $193,302 | $1,251/mo | 7.77% |
| 2023 | $207,688 | $1,311/mo | 7.57% |
| 2024 | $216,186 | $1,340/mo | 7.44% |
| 2025 | $218,384 | $1,380/mo | 7.58% |
| 2026 | $224,897 | $1,440/mo | 7.68% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 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 |
| 77840 College Station, TX | $286,872 | $1,848/mo | 4.76% | -$314/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 |