ZIP CODE 78130 // SAN ANTONIO-NEW BRAUNFELS, TX // DATA AS OF 2026-09-30
New Braunfels, TX (78130) Rental Property Cap Rate & Cash Flow Report
Located in Comal County (New Braunfels, TX), Zip Code 78130 ranks #203 of 500 within this selected sample (60th percentile) with a Zillow ZHVI typical home-value index of $301,994 (-1.8% YoY) and a ZORI observed market rent of $1,568/mo (+1.1% YoY). Requires at least 54.5% 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
-$659/mo
Annual: -$7,904/yr
Modeled Cap Rate
3.45%
NOI: $10,421/yr
Cash-on-Cash Return
-11.38%
Cash Needed: $69,459
1% Rule Ratio
0.52%
Gross Yield: 6.23%
Break-Even Rent
$2,325/mo
State Tax: 1.47%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 78130 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (TX Avg 1.47%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$1,527/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$700/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (78130)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2021 | $308,467 | $1,597/mo | 6.21% |
| 2022 | $361,786 | $1,663/mo | 5.52% |
| 2023 | $339,134 | $1,630/mo | 5.77% |
| 2024 | $323,533 | $1,616/mo | 5.99% |
| 2025 | $307,512 | $1,551/mo | 6.05% |
| 2026 | $301,994 | $1,568/mo | 6.23% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 75150 Mesquite, TX | $248,356 | $1,297/mo | 3.48% | -$535/mo |
| 75228 Dallas, TX | $271,305 | $1,428/mo | 3.52% | -$575/mo |
| 76227 Aubrey, TX | $347,844 | $1,835/mo | 3.54% | -$733/mo |
| 77082 Houston, TX | $248,562 | $1,265/mo | 3.34% | -$564/mo |
| 75043 Garland, TX | $282,150 | $1,501/mo | 3.58% | -$584/mo |
| 76028 Burleson, TX | $335,960 | $1,694/mo | 3.29% | -$777/mo |