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Cap Rate Analysis: Berlin, NH

Investment metrics, interactive calculators, and data-driven analysis for Berlin rental properties.

Market data powered by Zillow Home Value Index (ZHVI) and Zillow Observed Rent Index (ZORI) · Updated Feb 2026

Challenging for pure cash flow
Based on $250,000 median price and $1,410/mo median rent
Est. Cap Rate
3.84%
1% Rule
0.56%
Fails
GRM
14.8x
Price / Income
3.7x

Market Data

Median Home Price$250,000
Median Monthly Rent$1,410
Property Tax Rate1.84%
Population50,000
Population Growth0.5% / yr
Median Household Income$67,733
Vacancy Rate4.2%
Annual Appreciation2.6%

Cap Rate Calculator — Berlin

Pre-filled with Berlin medians. Adjust to match a specific property.

Property Details
$
$
3–8% typical
%
Monthly Expenses
1.84% rate
$
$
8–10% of rent
$
8–12% of rent
$
Cap Rate
3.03%Low
Net Operating Income ÷ Purchase Price
NOI / Year
$7,569
net operating income
Gross Rent Multiplier
14.8x
Good (<15)
1% Rule
0.56%
✗ Fails
Monthly Cash Flow
$631
before debt service
Annual Breakdown
Gross Rental Income$16,920
Less Vacancy−$711
Effective Income$16,209
Less Operating Expenses−$8,640
Net Operating Income$7,569
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Cash-on-Cash Return — Berlin

Factor in financing to see your actual return on invested capital in Berlin.

$
$62,500
%
%
years
$
taxes + ins + maint + mgmt
$
$
Cash-on-Cash Return
-6.93%Weak
Annual Cash Flow ÷ Total Cash Invested
Total Cash Invested
$70,000
$62,500 down + $7,500 closing
Monthly Mortgage
$1,222
on $188K loan
Monthly Cash Flow
$-404
after all expenses
Annual Cash Flow
$-4,852
before taxes
Cash Flow Breakdown
Monthly Rent$1,410
Less Expenses−$592
Less Mortgage−$1,222
Monthly Cash Flow$-404

Is Berlin a Good Place to Invest in Rental Property?

Berlin, NH has a population of 50,000 and has been growing at 0.5% annually — roughly in line with national trends, meaning demand is stable but not exceptional. The median home price of $250,000 paired with median rents of $1,410/mo produces an estimated cap rate of 3.84%.

Property taxes at 1.84% are notably high and represent a significant drag on cash flow — model this expense carefully, as it can make or break a deal. The vacancy rate of 4.2% is impressively low, indicating tight rental supply and strong tenant demand — favorable for landlords.

At a price-to-income ratio of 3.7x, homes cost about 3.7 times the local median income of $67,733. This relatively affordable ratio suggests a deep pool of renters who find buying out of reach, supporting rental demand. Home values have appreciated at roughly 2.6% annually. Steady appreciation means total returns will be primarily cash flow-driven — the more sustainable model for long-term wealth building.

Bottom line: At current median prices, Berlin is challenging for pure cash flow investing. Consider BRRRR strategies with below-market purchases, or look at neighboring metros with stronger price-to-rent ratios.

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