ZIP CODE 78249 // SAN ANTONIO-NEW BRAUNFELS, TX // DATA AS OF 2026-09-30
San Antonio, TX (78249) Rental Property Cap Rate & Cash Flow Report
Located in Bexar County (San Antonio, TX), Zip Code 78249 ranks #289 of 500 within this selected sample (42th percentile) with a Zillow ZHVI typical home-value index of $298,882 (-0.6% YoY) and a ZORI observed market rent of $1,393/mo (-0.8% YoY). Requires at least 61.8% 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
-$790/mo
Annual: -$9,481/yr
Modeled Cap Rate
2.90%
NOI: $8,655/yr
Cash-on-Cash Return
-13.79%
Cash Needed: $68,743
1% Rule Ratio
0.47%
Gross Yield: 5.59%
Break-Even Rent
$2,301/mo
State Tax: 1.47%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 78249 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (TX Avg 1.47%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$1,511/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$672/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (78249)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2021 | $269,923 | $1,422/mo | 6.32% |
| 2022 | $315,070 | $1,504/mo | 5.73% |
| 2023 | $316,000 | $1,462/mo | 5.55% |
| 2024 | $311,658 | $1,414/mo | 5.44% |
| 2025 | $300,800 | $1,404/mo | 5.60% |
| 2026 | $298,882 | $1,393/mo | 5.59% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 77433 Cypress, TX | $422,856 | $1,964/mo | 2.88% | -$1,124/mo |
| 78045 Laredo, TX | $295,277 | $1,381/mo | 2.91% | -$776/mo |
| 77450 Katy, TX | $374,993 | $1,763/mo | 2.94% | -$978/mo |
| 77407 Richmond, TX | $372,531 | $1,716/mo | 2.84% | -$1,002/mo |
| 77375 Tomball, TX | $355,110 | $1,679/mo | 2.97% | -$918/mo |
| 78666 San Marcos, TX | $309,421 | $1,418/mo | 2.81% | -$839/mo |