ZIP CODE 77375 // HOUSTON-THE WOODLANDS-SUGAR LAND, TX // DATA AS OF 2026-09-30
Tomball, TX (77375) Rental Property Cap Rate & Cash Flow Report
Located in Harris County (Tomball, TX), Zip Code 77375 ranks #277 of 500 within this selected sample (45th percentile) with a Zillow ZHVI typical home-value index of $355,110 (-0.8% YoY) and a ZORI observed market rent of $1,679/mo (+1.3% YoY). Requires at least 60.9% 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
-$918/mo
Annual: -$11,015/yr
Modeled Cap Rate
2.97%
NOI: $10,533/yr
Cash-on-Cash Return
-13.49%
Cash Needed: $81,675
1% Rule Ratio
0.47%
Gross Yield: 5.67%
Break-Even Rent
$2,734/mo
State Tax: 1.47%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 77375 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (TX Avg 1.47%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$1,796/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$801/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (77375)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2021 | $308,692 | $1,428/mo | 5.55% |
| 2022 | $367,675 | $1,601/mo | 5.23% |
| 2023 | $358,022 | $1,654/mo | 5.54% |
| 2024 | $360,692 | $1,668/mo | 5.55% |
| 2025 | $357,988 | $1,658/mo | 5.56% |
| 2026 | $355,110 | $1,679/mo | 5.67% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 77450 Katy, TX | $374,993 | $1,763/mo | 2.94% | -$978/mo |
| 78045 Laredo, TX | $295,277 | $1,381/mo | 2.91% | -$776/mo |
| 78249 San Antonio, TX | $298,882 | $1,393/mo | 2.90% | -$790/mo |
| 77433 Cypress, TX | $422,856 | $1,964/mo | 2.88% | -$1,124/mo |
| 75002 Allen, TX | $451,769 | $2,175/mo | 3.06% | -$1,134/mo |
| 77407 Richmond, TX | $372,531 | $1,716/mo | 2.84% | -$1,002/mo |