ZIP CODE 78245 // SAN ANTONIO-NEW BRAUNFELS, TX // DATA AS OF 2026-09-30
San Antonio, TX (78245) Rental Property Cap Rate & Cash Flow Report
Located in Bexar County (San Antonio, TX), Zip Code 78245 ranks #124 of 500 nationally (75th percentile) with a Zillow ZHVI typical acquisition price of $253,570 (-2.1% YoY) and a ZORI observed market rent of $1,484/mo (-0.7% YoY). Requires at least 45.4% down payment at 6.5% interest to reach $0/mo break-even cash flow.
Net Monthly Cash Flow
-$407/mo
Annual: -$4,888/yr
Net Cap Rate
4.14%
NOI: $10,498/yr
Cash-on-Cash Return
-8.38%
Cash Needed: $58,321
1% Rule Ratio
0.59%
Gross Yield: 7.02%
Break-Even Rent
$1,952/mo
State Tax: 1.47%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 78245 BENCHMARK)
Edit any value
Purchase Price (ZHVI Median)
Monthly Gross Rent (ZORI Median)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (TX Avg 1.47%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$1,282/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$609/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (78245)
| Year | Median Price | Median Rent | Gross Yield |
|---|---|---|---|
| 2021 | $245,160 | $1,461/mo | 7.15% |
| 2022 | $287,603 | $1,549/mo | 6.46% |
| 2023 | $278,837 | $1,502/mo | 6.46% |
| 2024 | $270,041 | $1,500/mo | 6.66% |
| 2025 | $258,904 | $1,494/mo | 6.92% |
| 2026 | $253,570 | $1,484/mo | 7.02% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 77036 Houston, TX | $159,566 | $934/mo | 4.14% | -$256/mo |
| 77084 Houston, TX | $261,493 | $1,526/mo | 4.12% | -$424/mo |
| 77346 Atascocita, TX | $307,801 | $1,814/mo | 4.18% | -$484/mo |
| 78254 San Antonio, TX | $304,573 | $1,801/mo | 4.20% | -$473/mo |
| 77469 Rosenberg, TX | $337,049 | $1,994/mo | 4.21% | -$522/mo |
| 75068 Little Elm, TX | $390,972 | $2,317/mo | 4.22% | -$603/mo |