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Market MapTexasRockwall

Rockwall County

TexasPopulation: 110,631Dallas, TX Metro
53
/100
Hold
#497 of 1,000 counties
#114 in Texas (243 counties)

Market Snapshot

$413,062
Median Home Price
77% above national median
$1,912/mo
Median Rent
27% above national median
5.55%
Rent-to-Price Ratio
Top 59% nationally
-$922
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Historical data from Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$413,062
Down Payment (20%)$82,612
Loan Amount$330,450
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,912
Monthly P&I-$2,165
Est. Expenses (35%)-$669
Net Cash Flow-$922/mo
3.6%
Cap Rate (all cash)
-11.7%
Cash-on-Cash Return
5.55%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 3.6% 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 AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
53/100
53
Cash Flow(30%)
53/100

Based on 5.55% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
35/100

Based on -3.0% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
79/100

Price-to-income ratio of 3.4x. 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

  • +Affordable relative to local incomes
  • +Complete rent data available

Challenges

  • -Declining home values (-3.0% YoY)
  • -Negative cash flow at typical financing (-$922/mo)
  • -Negative leverage (cap rate 3.6% < mortgage rate 6.9%)

Economic Indicators

Population
110,631
Median Income
$121,303
vs $57,018 national est.
Unemployment Rate
—
Data pending
Price-to-Income
3.4x
Moderately affordable

Compare to Nearby Counties

CountyVerdict
CurrentRockwallTX
53$413,062$1,9125.55%Hold
WalkerTX
53$265,240$1,3836.26%HoldView
HendersonTX
52$267,226$1,3215.93%HoldView
BastropTX
52$356,064$1,7906.03%HoldView
BosqueTX
52$232,126Est. pending—HoldView
MasonTX
52$352,481Est. pending—HoldView

The Bottom Line

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

Rockwall County in Texas scores 53/100, ranking #497 of 1,000 US counties (top 66%). The 5.55% rent-to-price ratio may require creative strategies or below-market purchases for positive cash flow. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow
$-922/mo
Cap Rate
3.6%
Cash-on-Cash
-11.7%

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