ZIP CODE 78045 // LAREDO, TX // DATA AS OF 2026-09-30
Laredo, TX (78045) Rental Property Cap Rate & Cash Flow Report
Located in Webb County (Laredo, TX), Zip Code 78045 ranks #284 of 500 within this selected sample (43th percentile) with a Zillow ZHVI typical home-value index of $295,277 (+2.5% YoY) and a ZORI observed market rent of $1,381/mo (+1.8% YoY). Requires at least 61.6% 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
-$776/mo
Annual: -$9,316/yr
Modeled Cap Rate
2.91%
NOI: $8,601/yr
Cash-on-Cash Return
-13.72%
Cash Needed: $67,914
1% Rule Ratio
0.47%
Gross Yield: 5.61%
Break-Even Rent
$2,273/mo
State Tax: 1.47%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 78045 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (TX Avg 1.47%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$1,493/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$664/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (78045)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2021 | $256,815 | $1,179/mo | 5.51% |
| 2022 | $278,779 | $1,217/mo | 5.24% |
| 2023 | $283,803 | $1,309/mo | 5.53% |
| 2024 | $278,259 | $1,344/mo | 5.80% |
| 2025 | $288,200 | $1,357/mo | 5.65% |
| 2026 | $295,277 | $1,381/mo | 5.61% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 78249 San Antonio, TX | $298,882 | $1,393/mo | 2.90% | -$790/mo |
| 77450 Katy, TX | $374,993 | $1,763/mo | 2.94% | -$978/mo |
| 77433 Cypress, TX | $422,856 | $1,964/mo | 2.88% | -$1,124/mo |
| 77375 Tomball, TX | $355,110 | $1,679/mo | 2.97% | -$918/mo |
| 77407 Richmond, TX | $372,531 | $1,716/mo | 2.84% | -$1,002/mo |
| 78666 San Marcos, TX | $309,421 | $1,418/mo | 2.81% | -$839/mo |