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Bellefontaine vs Findlay for Rental Property Investing

Side-by-side comparison of Bellefontaine, OH and Findlay, OH — cap rates, rent, prices, and investment metrics.

Findlay wins 3–0 across key metrics
Findlay leads on cash flow (3.75% vs 3.12% cap rate) · Bellefontaine leads on population growth
Metric
Bellefontaine, OH
Findlay, OH
Est. Cap Rate
3.12%
3.75%
Median Home Price
$240,000
$230,000
Median Monthly Rent
$1,180
$1,260
1% Rule
0.49%
0.55%
GRM
16.9x
15.2x
Price / Income
5.0x
4.8x
Property Tax Rate
1.58%
1.58%
Vacancy Rate
6.7%
6.7%
Population Growth
0.2% / yr
0.2% / yr
Annual Appreciation
2.2%
2.2%
Population
50,000
50,000
Median Income
$47,711
$47,711

Bellefontaine vs Findlay: Which Is Better for Investors?

Cash flow: Findlay has the edge with an estimated cap rate of 3.75% compared to Bellefontaine's 3.12%. Neither city passes the 1% rule outright, so deal sourcing and value-add strategies become more important. Median home prices are $240,000 in Bellefontaine vs $230,000 in Findlay, while rents come in at $1,180/mo and $1,260/mo respectively. For context, the national average cap rate is 3.81% and average price is $333K.

Growth & appreciation: Bellefontaine is growing faster at 0.2% annually vs Findlay's 0.2%. Bellefontaine leads on home value appreciation at 2.2% per year.

Costs & risk: Property taxes are 1.58% in Bellefontaine vs 1.58% in Findlay. Vacancy rates of 6.7% and 6.7% are mixed — Findlay has the tighter rental market.

Entry point: Findlay offers a lower entry at $230K vs Bellefontaine's $240K — a difference of $10K. With a 20% down payment, that's $46K vs $48K. Findlay combines the lower price with a higher cap rate — a compelling combination.

Bottom line: Findlay edges out Bellefontaine on most key metrics. While cap rates are moderate at 3.75%, Findlay's overall profile is stronger. Use our free calculators to model specific deals in Bellefontaine or Findlay.

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Bellefontaine, OH
3.12% cap rate · $240,000 median · $1,180/mo
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Findlay, OH
3.75% cap rate · $230,000 median · $1,260/mo
Full analysis →

Frequently Asked Questions

Is Bellefontaine or Findlay better for rental investing?
Findlay wins 3–0 across our 7 key metrics. Findlay's 3.75% cap rate and $230K median price give it the edge overall.
What is the cap rate difference between Bellefontaine and Findlay?
Bellefontaine has a 3.12% cap rate vs Findlay's 3.75% — a difference of 0.63 percentage points. This is a relatively small difference — other factors like growth, taxes, and local market conditions may matter more. For context, the national average is 3.81%.
Which city has lower property taxes?
Findlay has lower property taxes at 1.58% vs 1.58%. On a $235K property, that's a difference of approximately $158/year in tax expense — money that goes directly to (or from) your cash flow.
Which city is growing faster?
Bellefontaine is growing at 0.2% annually vs Findlay's 0.2%. Both cities have slow growth — focus on the strongest neighborhoods. Bellefontaine's appreciation rate of 2.2% also leads on home value growth.

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