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Market MapEl Campo, TX
Metropolitan Area

El Campo, TX

Texas0
61
/100
Buy
#484 of 894 metros
Top 54% nationally for investing

Market Snapshot

$246,201
Median Home Price
3% below national median
$1,287/mo
Median Rent
7% below national median
6.28%
Rent-to-Price Ratio
Top 40% nationally
-$454
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$246,201
Down Payment (20%)$49,240
Loan Amount$196,961
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,287
Monthly P&I-$1,291
Est. Expenses (35%)-$451
Net Cash Flow-$454/mo
4.1%
Cap Rate (all cash)
-9.6%
Cash-on-Cash Return
6.28%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 4.1% cap rate. All-cash buyers may see better returns.

* Based on metro-wide median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Individual counties and properties vary significantly.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
61/100
61
Cash Flow(30%)
63/100

Based on 6.28% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
57/100

Based on 1.0% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Based on 0.0% population growth. Growing areas indicate economic stability.

Affordability(20%)
77/100

Based on price relative to estimated local incomes.

Scores are calculated using real Zillow metro-level home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. This metro score represents area-wide averages; individual counties may vary significantly.

Investment Outlook

Strengths

  • +Affordable relative to local incomes
  • +Low unemployment (0.0%)

Challenges

  • -Negative cash flow at typical financing (-$454/mo)
  • -Negative leverage (cap rate 4.1% < mortgage rate 6.9%)

Counties in El Campo, TX

County data is being compiled for this metro area.

Compare to Similar Metros

Metro AreaVerdict
Elmira, NY
Elmira, NY
81$161,607$1,2639.38%Strong BuyView
Lamesa, TX
Lamesa, TX
81$113,282Est.Strong BuyView
Lincoln, IL
Lincoln, IL
81$142,630Est.Strong BuyView
Union City, TN
Union City, TN
80$166,036Est.Strong BuyView
Guymon, OK
Guymon, OK
80$168,571Est.Strong BuyView
Current
El Campo, TX
61$246,201$1,2876.28%Buy

The Bottom Line

BuyEl Campo, TX offers solid investment potential with good cash flow or appreciation prospects.

The El Campo, TX metro area scores 61/100, ranking #484 of 894 US metros (top 54%). The 6.28% rent-to-price ratio indicates moderate cash flow potential. Current metro-wide averages make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or drilling down to specific counties.

Monthly Cash Flow
$-454/mo
Cap Rate
4.1%
Cash-on-Cash
-11.1%

Ready to Invest in El Campo, TX?

Use our investment calculators to run detailed numbers on specific properties, or explore individual counties for more targeted opportunities.

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