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Cap Rate Analysis: Camden, NJ

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

Moderate — source deals carefully
Based on $155,000 median price and $1,080/mo median rent
Est. Cap Rate
4.65%
1% Rule
0.70%
Fails
GRM
12.0x
Price / Income
5.5x

Market Data

Median Home Price$155,000
Median Monthly Rent$1,080
Property Tax Rate2.28%
Population73,000
Population Growth0.1% / yr
Median Household Income$28,400
Vacancy Rate7.5%
Annual Appreciation2.2%

Cap Rate Calculator — Camden

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

Property Details
$
$
3–8% typical
%
Monthly Expenses
2.28% rate
$
$
8–10% of rent
$
8–12% of rent
$
Cap Rate
3.55%Low
Net Operating Income ÷ Purchase Price
NOI / Year
$5,508
net operating income
Gross Rent Multiplier
12.0x
Good (<15)
1% Rule
0.70%
✗ Fails
Monthly Cash Flow
$459
before debt service
Annual Breakdown
Gross Rental Income$12,960
Less Vacancy−$972
Effective Income$11,988
Less Operating Expenses−$6,480
Net Operating Income$5,508

Cash-on-Cash Return — Camden

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

$
$38,750
%
%
years
$
taxes + ins + maint + mgmt
$
$
Cash-on-Cash Return
-3.65%Weak
Annual Cash Flow ÷ Total Cash Invested
Total Cash Invested
$43,400
$38,750 down + $4,650 closing
Monthly Mortgage
$758
on $116K loan
Monthly Cash Flow
$-132
after all expenses
Annual Cash Flow
$-1,582
before taxes
Cash Flow Breakdown
Monthly Rent$1,080
Less Expenses−$454
Less Mortgage−$758
Monthly Cash Flow$-132

Is Camden a Good Place to Invest in Rental Property?

Camden, NJ has a population of 73,000 and has been growing at 0.1% annually — roughly in line with national trends, meaning demand is stable but not exceptional. The median home price of $155,000 paired with median rents of $1,080/mo produces an estimated cap rate of 4.65%.

Property taxes at 2.28% 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 7.5% runs above average, which increases cash flow volatility and warrants conservative underwriting.

At a price-to-income ratio of 5.5x, homes cost about 5.5 times the local median income of $28,400. This moderate ratio indicates a balanced rent-vs-buy market. Home values have appreciated at roughly 2.2% annually. Steady appreciation means total returns will be primarily cash flow-driven — the more sustainable model for long-term wealth building.

Bottom line: Camden presents moderate opportunities. Cap rates near 4.65% mean deals need careful sourcing — look for value-add rehabs or emerging neighborhoods where rents are climbing.

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