Factor in financing to see your actual return on invested capital in El Campo.
$
$60,000
%
%
years
$
taxes + ins + maint + mgmt
$
$
Cash-on-Cash Return
-4.79%Weak
Annual Cash Flow ÷ Total Cash Invested
Total Cash Invested
$67,200
$60,000 down + $7,200 closing
Monthly Mortgage
$1,173
on $180K loan
Monthly Cash Flow
$-268
after all expenses
Annual Cash Flow
$-3,222
before taxes
Cash Flow Breakdown
Monthly Rent$1,560
Less Expenses−$655
Less Mortgage−$1,173
Monthly Cash Flow$-268
Is El Campo a Good Place to Invest in Rental Property?
El Campo, TX has a population of 50,000 and has been growing at 1.8% annually — above the national average, suggesting steady demand pressure on housing. The median home price of $240,000 paired with median rents of $1,560/mo produces an estimated cap rate of 4.83%.
Property taxes at 1.72% 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 5.8% is moderate and within normal parameters for a healthy rental market.
At a price-to-income ratio of 3.8x, homes cost about 3.8 times the local median income of $63,735. This relatively affordable ratio suggests a deep pool of renters who find buying out of reach, supporting rental demand. Home values have appreciated at roughly 2.7% annually. Steady appreciation means total returns will be primarily cash flow-driven — the more sustainable model for long-term wealth building.
Bottom line: El Campo presents moderate opportunities. Cap rates near 4.83% mean deals need careful sourcing — look for value-add rehabs or emerging neighborhoods where rents are climbing.
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