ZIP CODE 29730 // CHARLOTTE-CONCORD-GASTONIA, NC-SC // DATA AS OF 2026-09-30
Rock Hill, SC (29730) Rental Property Cap Rate & Cash Flow Report
Located in York County (Rock Hill, SC), Zip Code 29730 ranks #84 of 500 within this selected sample (83th percentile) with a Zillow ZHVI typical home-value index of $284,333 (-2.5% YoY) and a ZORI observed market rent of $1,536/mo (+0.4% YoY). Requires at least 39.0% 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
-$341/mo
Annual: -$4,089/yr
Modeled Cap Rate
4.63%
NOI: $13,164/yr
Cash-on-Cash Return
-6.25%
Cash Needed: $65,397
1% Rule Ratio
0.54%
Gross Yield: 6.48%
Break-Even Rent
$1,928/mo
State Tax: 0.51%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 29730 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (SC Avg 0.51%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$1,438/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$439/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (29730)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2022 | $282,703 | $1,360/mo | 5.77% |
| 2023 | $290,030 | $1,464/mo | 6.06% |
| 2024 | $301,999 | $1,492/mo | 5.93% |
| 2025 | $291,721 | $1,530/mo | 6.29% |
| 2026 | $284,333 | $1,536/mo | 6.48% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 29445 Goose Creek, SC | $324,930 | $1,876/mo | 5.02% | -$284/mo |
| 29526 Conway, SC | $300,321 | $1,809/mo | 5.28% | -$198/mo |
| 29072 Lexington, SC | $365,040 | $1,724/mo | 3.92% | -$653/mo |
| 29681 Simpsonville, SC | $402,519 | $1,884/mo | 3.88% | -$735/mo |
| 29485 Summerville, SC | $370,303 | $1,733/mo | 3.88% | -$676/mo |
| 33032 Homestead, FL | $455,555 | $2,580/mo | 4.62% | -$549/mo |