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Calhoun, GA Cap Rate: 4.86% — Rental Property Analysis

Calhoun is a mid-range market in the South with a small but investable metro of 50,000. At a 4.86% estimated cap rate, this is a moderate market where rents of $1,610/mo lag behind home prices. With a median home price of $275,000 and steady population growth supports long-term rental demand, Calhoun offers opportunities for investors who source deals carefully.

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

Moderate — source deals carefully
Based on $275,000 median price and $1,610/mo median rent
Est. Cap Rate
4.86%
1% Rule
0.59%
Fails
GRM
14.2x
Price / Income
5.6x

Market Data

Median Home Price$275,000
Median Monthly Rent$1,610
Property Tax Rate0.93%
Population50,000
Population Growth0.9% / yr
Median Household Income$49,350
Vacancy Rate6.2%
Annual Appreciation2.9%

2026 Market Update: Calhoun

Calhoun's 0.6% rent-to-price ratio is well below the 1% rule. At median prices of $275,000, the $1,610/mo rent produces only $1,114/mo in NOI. Investors here need to target below-median properties or pursue value-add strategies to make the numbers work.

At current rates, a 20% down conventional loan ($55K at 7%) would result in approximately $-349/mo cash flow — negative at median prices. Larger down payments, seller financing, or buying 15–25% below median are strategies to turn the numbers positive.

The 14.2x gross rent multiplier and 6.2% vacancy rate position Calhoun as a balanced market. With annual appreciation at 2.9%, total returns (cash flow + equity growth) run approximately 7.8% before financing leverage.

Cap Rate Calculator — Calhoun

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

Property Details
$
$
3–8% typical
%
Monthly Expenses
0.93% rate
$
$
8–10% of rent
$
8–12% of rent
$
Cap Rate
3.99%Low
Net Operating Income ÷ Purchase Price
NOI / Year
$10,982
net operating income
Gross Rent Multiplier
14.2x
Good (<15)
1% Rule
0.59%
✗ Fails
Monthly Cash Flow
$915
before debt service
Annual Breakdown
Gross Rental Income$19,320
Less Vacancy−$1,198
Effective Income$18,122
Less Operating Expenses−$7,140
Net Operating Income$10,982
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Cash-on-Cash Return — Calhoun

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

$
$68,750
%
%
years
$
taxes + ins + maint + mgmt
$
$
Cash-on-Cash Return
-6.40%Weak
Annual Cash Flow ÷ Total Cash Invested
Total Cash Invested
$77,000
$68,750 down + $8,250 closing
Monthly Mortgage
$1,345
on $206K loan
Monthly Cash Flow
$-411
after all expenses
Annual Cash Flow
$-4,927
before taxes
Cash Flow Breakdown
Monthly Rent$1,610
Less Expenses−$676
Less Mortgage−$1,345
Monthly Cash Flow$-411

Is Calhoun a Good Place to Invest in Rental Property?

Calhoun, GA has a population of 50,000 and has been growing at 0.9% annually — roughly in line with national trends, meaning demand is stable but not exceptional. The median home price of $275,000 paired with median rents of $1,610/mo produces an estimated cap rate of 4.86%.

Property taxes at 0.93% fall within the national average range and shouldn't present unusual challenges. The vacancy rate of 6.2% is moderate and within normal parameters for a healthy rental market.

At a price-to-income ratio of 5.6x, homes cost about 5.6 times the local median income of $49,350. This moderate ratio indicates a balanced rent-vs-buy market. Home values have appreciated at roughly 2.9% annually. Steady appreciation means total returns will be primarily cash flow-driven — the more sustainable model for long-term wealth building.

Bottom line: Calhoun presents moderate opportunities. Cap rates near 4.86% mean deals need careful sourcing — look for value-add rehabs or emerging neighborhoods where rents are climbing.

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