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Ozark vs Troy for Rental Property Investing

Side-by-side comparison of Ozark, AL and Troy, AL — cap rates, rent, prices, and investment metrics.

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Ozark wins 3–0 across key metrics
Ozark leads on cash flow (8.27% vs 6.92% cap rate)
Metric
Ozark, AL
Troy, AL
Est. Cap Rate
8.27%
6.92%
Median Home Price
$155,000
$160,000
Median Monthly Rent
$1,310
$1,160
1% Rule
0.85%
0.73%
GRM
9.9x
11.5x
Price / Income
3.1x
3.2x
Property Tax Rate
0.42%
0.42%
Vacancy Rate
6.4%
6.4%
Population Growth
0.8% / yr
0.8% / yr
Annual Appreciation
2.3%
2.3%
Population
50,000
50,000
Median Income
$49,614
$49,614

Ozark vs Troy: Which Is Better for Investors?

Cash flow: Ozark has the edge with an estimated cap rate of 8.27% compared to Troy's 6.92%. Neither city passes the 1% rule outright, so deal sourcing and value-add strategies become more important. Median home prices are $155,000 in Ozark vs $160,000 in Troy, while rents come in at $1,310/mo and $1,160/mo respectively. For context, the national average cap rate is 3.81% and average price is $333K.

Growth & appreciation: Ozark is growing faster at 0.8% annually vs Troy's 0.8%. Ozark leads on home value appreciation at 2.3% per year.

Costs & risk: Property taxes are 0.42% in Ozark vs 0.42% in Troy. Vacancy rates of 6.4% and 6.4% are mixed — Troy has the tighter rental market.

Entry point: Ozark offers a lower entry at $155K vs Troy's $160K — a difference of $5K. With a 20% down payment, that's $31K vs $32K. Ozark combines the lower price with a higher cap rate — a compelling combination.

Bottom line: Ozark edges out Troy on most key metrics. With a 8.27% cap rate, it offers solid cash flow potential. Use our free calculators to model specific deals in Ozark or Troy.

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Ozark, AL
8.27% cap rate · $155,000 median · $1,310/mo
Full analysis →
Troy, AL
6.92% cap rate · $160,000 median · $1,160/mo
Full analysis →

Frequently Asked Questions

Is Ozark or Troy better for rental investing?
Ozark wins 3–0 across our 7 key metrics (cap rate, 1% rule, GRM, taxes, vacancy, growth, appreciation). Ozark's 8.27% cap rate and $155K median price offer both higher returns and a lower entry point.
What is the cap rate difference between Ozark and Troy?
Ozark has a 8.27% cap rate vs Troy's 6.92% — a difference of 1.35 percentage points. This is a significant gap that meaningfully impacts cash flow. For context, the national average is 3.81%.
Which city has lower property taxes?
Troy has lower property taxes at 0.42% vs 0.42%. On a $158K property, that's a difference of approximately $21/year in tax expense — money that goes directly to (or from) your cash flow.
Which city is growing faster?
Ozark is growing at 0.8% annually vs Troy's 0.8%. Moderate growth provides stable demand. Ozark's appreciation rate of 2.3% also leads on home value growth.

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