Is Caldwell County, TX good for real estate investing?

Caldwell County has an investment score of 51/100, rated as "Hold". The county ranks #532 nationally among 1000 counties analyzed.

What is the rent-to-price ratio in Caldwell?

The rent-to-price ratio in Caldwell County is 7.17% annually, which ranks in the 80th percentile nationally. Higher ratios indicate better cash flow potential.

What is the median home price in Caldwell?

The median home price in Caldwell County is $281,899. This ranks #631 in affordability among all US counties.

Can you cash flow on rental properties in Caldwell?

Based on median values with 20% down at current rates, a typical rental in Caldwell County would generate negative cash flow of $383/month. Individual property performance varies based on purchase price, rent, and operating expenses.

Caldwell County

TexasPopulation: 46,141

/100

Hold

#532 of 1,000 counties

#132 in Texas (243 counties)

Market Snapshot

$281,899

Median Home Price

21% above national median

$1,685/mo

Median Rent

12% above national median

7.17%

Rent-to-Price Ratio

Top 20% nationally

-$383

Est. Monthly Cash Flow

With 20% down at 6.9% rate

Price History

Historical data from Zillow ZHVI/ZORI

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$281,899

Down Payment (20%)$56,380

Loan Amount$225,519

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,685

Monthly P&I-$1,478

Est. Expenses (35%)-$590

Net Cash Flow-$383/mo

4.7%

Cap Rate (all cash)

-7.1%

Cash-on-Cash Return

7.17%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 4.7% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

51/100

Cash Flow(30%)

72/100

Based on 7.17% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

13/100

Based on -5.8% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

67/100

Price-to-income ratio of 4.2x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

+Above-average rent-to-price ratio (7.17%)
+Complete rent data available

Challenges

-Declining home values (-5.8% YoY)
-Negative cash flow at typical financing (-$383/mo)
-Negative leverage (cap rate 4.7% < mortgage rate 6.9%)

Economic Indicators

Population

46,141

Median Income

$66,779

vs $57,018 national est.

Unemployment Rate

—

Data pending

Price-to-Income

4.2x

Moderately affordable

Compare to Nearby Counties

County					Verdict
HendersonTX	52	$267,226	$1,321	5.93%	Hold	View
BastropTX	52	$356,064	$1,790	6.03%	Hold	View
BosqueTX	52	$232,126	Est. pending	—	Hold	View
CurrentCaldwellTX	51	$281,899	$1,685	7.17%	Hold
RainsTX	51	$284,463	Est. pending	—	Hold	View
MilamTX	51	$255,491	Est. pending	—	Hold	View

The Bottom Line

HoldCaldwell is a neutral market. Consider house hacking or targeting below-market deals.

Caldwell County in Texas scores 51/100, ranking #532 of 1,000 US counties (top 70%). The 7.17% rent-to-price ratio indicates moderate cash flow potential. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow

$-383/mo

Cap Rate

4.7%

Cash-on-Cash

-7.1%

Ready to Analyze a Deal in Caldwell?

Use our investment calculators to run detailed numbers on specific properties.

Single Family1-4 unit rentals, BRRRR House HackOwner-occupied strategy Multifamily5+ unit properties

Explore Other Markets

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$281,899

Down Payment (20%)$56,380

Loan Amount$225,519

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,685

Monthly P&I-$1,478

Est. Expenses (35%)-$590

Net Cash Flow-$383/mo

4.7%

Cap Rate (all cash)

-7.1%

Cash-on-Cash Return

7.17%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 4.7% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

51/100

Cash Flow(30%)

72/100

Based on 7.17% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

13/100

Based on -5.8% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

67/100

Price-to-income ratio of 4.2x. Lower ratios indicate more affordable markets.

County

Verdict

HendersonTX

$267,226

$1,321

5.93%

Hold

View

BastropTX

$356,064

$1,790

6.03%

Hold

View

BosqueTX

$232,126

Est. pending

—

Hold

View

CurrentCaldwellTX

$281,899

$1,685

7.17%

Hold

RainsTX

$284,463

Est. pending

—

Hold

View

MilamTX

$255,491

Est. pending

—

Hold

View

The Bottom Line

HoldCaldwell is a neutral market. Consider house hacking or targeting below-market deals.

Monthly Cash Flow

$-383/mo

Cap Rate

4.7%

Cash-on-Cash

-7.1%