ZIP CODE 65807 // SPRINGFIELD, MO // DATA AS OF 2026-09-30
Springfield, MO (65807) Rental Property Cap Rate & Cash Flow Report
Located in Greene County (Springfield, MO), Zip Code 65807 ranks #123 of 500 within this selected sample (76th percentile) with a Zillow ZHVI typical home-value index of $232,623 (+3.0% YoY) and a ZORI observed market rent of $1,233/mo (+5.0% YoY). Requires at least 45.2% 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
-$371/mo
Annual: -$4,453/yr
Modeled Cap Rate
4.15%
NOI: $9,663/yr
Cash-on-Cash Return
-8.32%
Cash Needed: $53,503
1% Rule Ratio
0.53%
Gross Yield: 6.36%
Break-Even Rent
$1,660/mo
State Tax: 0.88%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 65807 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (MO Avg 0.88%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$1,176/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$428/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (65807)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2021 | $175,894 | $956/mo | 6.52% |
| 2022 | $207,096 | $1,061/mo | 6.15% |
| 2023 | $216,031 | $1,098/mo | 6.10% |
| 2024 | $225,237 | $1,141/mo | 6.08% |
| 2025 | $225,802 | $1,174/mo | 6.24% |
| 2026 | $232,623 | $1,233/mo | 6.36% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 63376 Saint Peters, MO | $328,221 | $1,723/mo | 4.10% | -$538/mo |
| 65203 Columbia, MO | $371,281 | $1,374/mo | 2.48% | -$1,109/mo |
| 21234 Parkville, MD | $300,360 | $1,621/mo | 4.16% | -$476/mo |
| 77036 Houston, TX | $159,566 | $934/mo | 4.14% | -$256/mo |
| 78245 San Antonio, TX | $253,570 | $1,484/mo | 4.14% | -$407/mo |
| 43055 Newark, OH | $249,856 | $1,420/mo | 4.13% | -$403/mo |