ZIP CODE 78574 // MCALLEN-EDINBURG-MISSION, TX // DATA AS OF 2026-09-30
La Homa, TX (78574) Rental Property Cap Rate & Cash Flow Report
Located in Hidalgo County (La Homa, TX), Zip Code 78574 ranks #10 of 500 within this selected sample (98th percentile) with a Zillow ZHVI typical home-value index of $190,121 (-0.6% YoY) and a ZORI observed market rent of $1,592/mo. Cash-flow positive at standard 20% down payment (break-even down payment: 10.7%). 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
+$112/mo
Annual: +$1,338/yr
Modeled Cap Rate
6.77%
NOI: $12,874/yr
Cash-on-Cash Return
3.06%
Cash Needed: $43,728
1% Rule Ratio
0.84%
Gross Yield: 10.05%
Break-Even Rent
$1,464/mo
State Tax: 1.47%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 78574 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (TX Avg 1.47%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$961/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$519/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (78574)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2026 | $190,121 | $1,592/mo | 10.05% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 78520 Brownsville, TX | $189,048 | $1,521/mo | 6.43% | +$57/mo |
| 75217 Dallas, TX | $194,030 | $1,521/mo | 6.21% | +$24/mo |
| 75227 Dallas, TX | $220,969 | $1,702/mo | 6.07% | +$1/mo |
| 77373 Spring, TX | $238,312 | $1,767/mo | 5.77% | -$59/mo |
| 77083 Houston, TX | $256,597 | $1,893/mo | 5.73% | -$72/mo |
| 78521 Brownsville, TX | $169,028 | $1,609/mo | 7.97% | +$268/mo |