ZIP CODE 75071 // DALLAS-FORT WORTH-ARLINGTON, TX // DATA AS OF 2026-09-30
McKinney, TX (75071) Rental Property Cap Rate & Cash Flow Report
Located in Collin County (McKinney, TX), Zip Code 75071 ranks #355 of 500 within this selected sample (29th percentile) with a Zillow ZHVI typical home-value index of $474,508 (-5.7% YoY) and a ZORI observed market rent of $2,061/mo (-1.2% YoY). Requires at least 66.2% 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
-$1,385/mo
Annual: -$16,624/yr
Modeled Cap Rate
2.56%
NOI: $12,169/yr
Cash-on-Cash Return
-15.23%
Cash Needed: $109,137
1% Rule Ratio
0.43%
Gross Yield: 5.21%
Break-Even Rent
$3,653/mo
State Tax: 1.47%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 75071 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (TX Avg 1.47%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$2,399/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$1,047/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (75071)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2021 | $434,357 | $1,956/mo | 5.40% |
| 2022 | $548,171 | $2,173/mo | 4.76% |
| 2023 | $530,631 | $2,148/mo | 4.86% |
| 2024 | $529,514 | $2,103/mo | 4.77% |
| 2025 | $503,153 | $2,087/mo | 4.98% |
| 2026 | $474,508 | $2,061/mo | 5.21% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 77406 Richmond, TX | $415,426 | $1,804/mo | 2.56% | -$1,213/mo |
| 77095 Houston, TX | $320,742 | $1,394/mo | 2.57% | -$936/mo |
| 78665 Round Rock, TX | $390,267 | $1,691/mo | 2.55% | -$1,143/mo |
| 77379 Spring, TX | $360,401 | $1,560/mo | 2.55% | -$1,057/mo |
| 78660 Pflugerville, TX | $364,282 | $1,600/mo | 2.62% | -$1,048/mo |
| 78641 Leander, TX | $425,323 | $1,872/mo | 2.62% | -$1,220/mo |