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Market MapTexasComal

Comal County

TexasPopulation: 165,201
44
/100
Avoid
#902 of 1,000 counties
#208 in Texas (243 counties)

Market Snapshot

$430,129
Median Home Price
57% above national median
$1,536/mo
Median Rent
3% above national median
4.28%
Rent-to-Price Ratio
Top 91% nationally
-$1,257
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$430,129
Down Payment (20%)$86,026
Loan Amount$344,103
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,536
Monthly P&I-$2,255
Est. Expenses (35%)-$538
Net Cash Flow-$1,257/mo
2.8%
Cap Rate (all cash)
-15.3%
Cash-on-Cash Return
4.28%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 2.8% 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
44/100
44
Cash Flow(30%)
34/100

Based on 4.28% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
36/100

Based on -2.8% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
61/100

Price-to-income ratio of 4.6x. 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

  • +Complete rent data available

Challenges

  • -Below-average rent-to-price ratio (4.28%)
  • -Declining home values (-2.8% YoY)
  • -Negative cash flow at typical financing (-$1,257/mo)
  • -Negative leverage (cap rate 2.8% < mortgage rate 6.9%)

Economic Indicators

Population
165,201
Median Income
$93,744
vs $62,400 national est.
Unemployment Rate
—
Data pending
Price-to-Income
4.6x
Moderately affordable

Compare to Nearby Counties

CountyVerdict
KerrTX
45$367,107$1,6095.26%HoldView
CurrentComalTX
44$430,129$1,5364.28%Avoid
DentonTX
44$439,641$1,6804.58%AvoidView
AndersonTX
43$206,425Est. pending—AvoidView
WilliamsonTX
42$402,356$1,5504.62%AvoidView
CherokeeTX
41$226,862Est. pending—AvoidView

The Bottom Line

AvoidComal may be challenging for traditional rentals. High prices or low rents make cash flow difficult.

Comal County in Texas scores 44/100, ranking #902 of 1,000 US counties (top 90%). The 4.28% 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
$-1,257/mo
Cap Rate
2.8%
Cash-on-Cash
-15.3%

Ready to Analyze a Deal in Comal?

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