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Cap Rate Analysis: Concord, NC

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

Challenging for pure cash flow
Based on $340,000 median price and $1,520/mo median rent
Est. Cap Rate
3.51%
1% Rule
0.45%
Fails
GRM
18.6x
Price / Income
5.0x

Market Data

Median Home Price$340,000
Median Monthly Rent$1,520
Property Tax Rate0.8%
Population108,000
Population Growth2% / yr
Median Household Income$68,200
Vacancy Rate4.8%
Annual Appreciation3.6%

Cap Rate Calculator — Concord

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

Property Details
$
$
3–8% typical
%
Monthly Expenses
0.8% rate
$
$
8–10% of rent
$
8–12% of rent
$
Cap Rate
2.94%Low
Net Operating Income ÷ Purchase Price
NOI / Year
$9,996
net operating income
Gross Rent Multiplier
18.6x
High (>15)
1% Rule
0.45%
✗ Fails
Monthly Cash Flow
$833
before debt service
Annual Breakdown
Gross Rental Income$18,240
Less Vacancy−$876
Effective Income$17,364
Less Operating Expenses−$7,368
Net Operating Income$9,996

Cash-on-Cash Return — Concord

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

$
$85,000
%
%
years
$
taxes + ins + maint + mgmt
$
$
Cash-on-Cash Return
-9.84%Weak
Annual Cash Flow ÷ Total Cash Invested
Total Cash Invested
$95,200
$85,000 down + $10,200 closing
Monthly Mortgage
$1,662
on $255K loan
Monthly Cash Flow
$-780
after all expenses
Annual Cash Flow
$-9,365
before taxes
Cash Flow Breakdown
Monthly Rent$1,520
Less Expenses−$638
Less Mortgage−$1,662
Monthly Cash Flow$-780

Is Concord a Good Place to Invest in Rental Property?

Concord, NC has a population of 108,000 and has been growing at 2% annually — above the national average, suggesting steady demand pressure on housing. The median home price of $340,000 paired with median rents of $1,520/mo produces an estimated cap rate of 3.51%.

Property taxes at 0.8% are well below the national average of ~1.1%, providing a meaningful cash flow advantage many investors overlook. The vacancy rate of 4.8% is impressively low, indicating tight rental supply and strong tenant demand — favorable for landlords.

At a price-to-income ratio of 5.0x, homes cost about 5.0 times the local median income of $68,200. This moderate ratio indicates a balanced rent-vs-buy market. Home values have appreciated at roughly 3.6% annually. Above-average appreciation adds an equity component to total returns, though deals should still pencil on cash flow alone.

Bottom line: At current median prices, Concord 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.

Run a BRRRR analysis for Concord
Model a buy-rehab-refinance deal with Concord data pre-loaded.
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