Updated 2026 · Based on median market data for El Campo, TX
The median monthly rent in El Campo, TX is $1,560, translating to $18,720 in annual gross rental income per unit. The rent-to-price ratio is 0.65% — well below the 1% rule, making pure cash flow investing challenging at median prices and requiring investors to target below-median purchases or value-add strategies. For context, a 0.65% rent-to-price ratio means that for every $100,000 invested in property, you collect approximately $650/mo in gross rent. The gross rent multiplier of 12.8x means it takes 12.8 years of gross rent to equal the purchase price — a moderate ratio typical of balanced markets.
Renters in El Campo spend approximately 29% of the local median household income ($63,735) on rent. This is within the healthy 25-30% range, indicating rent is affordable relative to local incomes. There may be room for moderate rent increases, especially for updated or well-located units. The 30% affordability ceiling suggests maximum supportable rent of approximately $1,593/mo — that is $33/mo above current median rent.
The vacancy rate in El Campo is 5.8%. This is a healthy vacancy rate that indicates balanced supply and demand. You should be able to find quality tenants without extended vacancies, though expect normal turnover periods of 2-4 weeks between tenants. Budget for one month of vacancy per year in your underwriting to be conservative. Population growth of 1.8% annually is actively adding rental demand, creating a tailwind for landlords.
El Campo's GRM (price divided by annual rent) is 12.8x. A GRM between 12-16x is moderate and typical of balanced markets. Deals can work but you need to keep expenses controlled and buy at or below the median to achieve strong returns. For comparison, the national average GRM for investment-grade rentals is approximately 13-15x. To beat El Campo's median GRM, target properties where you can achieve rents above $1,560 through renovations, better marketing, or targeting underserved tenant segments — or buy at a discount to the $240,000 median price. Every point lower on GRM translates to roughly 0.5-0.8% improvement in your cap rate.
At the median rent of $1,560/mo, a single-family rental in El Campo generates approximately $18,720 in gross annual income. After accounting for 5.8% vacancy ($1,086 lost), property taxes of $4,128, insurance (~$960), and maintenance (~$960), the estimated NOI is $11,586 per year, or $966/mo. Adding an 8% management fee ($1,498/yr) reduces investor cash flow further. Before debt service, you are looking at approximately $10,089/yr in landlord net income. Whether this is attractive depends on your total capital invested — at a $48,000 down payment, the unlevered yield on equity from NOI alone is 24.1%.
Rent growth in El Campo is driven by the interplay of population growth (1.8%), income growth, and housing supply constraints. With population expanding at 1.8% annually, demand for rental housing is growing faster than most markets can build, which supports above-average rent increases. Projected rent growth of approximately 4% annually would push the current $1,560/mo to $1,755 in 3 years and $1,898 in 5 years. The affordability headroom of $33/mo between current rents and the 30% income threshold offers some room for increases, though landlords should be strategic about timing and magnitude.
With a median income of $63,735 and affordable home prices ($240,000), many tenants in El Campo are working families and individuals who could buy but choose to rent — or are saving for a down payment. This creates a reliable tenant base that values stability and tends to stay longer, reducing turnover costs. In a smaller market of 50,000 residents, word-of-mouth and local listing platforms may be more effective than national sites for finding tenants.
El Campo is a smaller market where professional PM options may be limited. Fees can run 10-12% of rent, and the quality of available managers varies widely. At $1,560/mo, management costs roughly $172/mo. Self-management makes sense if you are local, have fewer than 5 units, and the rent level justifies your time — at $1,560/mo per unit, the income per unit is high enough that professional management is clearly affordable and preserves your time for deal sourcing.
El Campo vs Texas state average and national average across key investment metrics. El Campo outperforms both benchmarks on cap rate.