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Greenville, SC Cap Rate: 4.43% — Rental Property Analysis

Greenville is a mid-range market in the South with a smaller market with 72,610 residents. At a 4.43% estimated cap rate, this is a moderate market where rents of $1,550/mo lag behind home prices. With a median home price of $305,000 and steady population growth supports long-term rental demand, Greenville offers opportunities for investors who source deals carefully.

Market data powered by Zillow Home Value Index (ZHVI) and Zillow Observed Rent Index (ZORI) · Updated Feb 2026

Moderate — source deals carefully
Based on $305,000 median price and $1,550/mo median rent
Est. Cap Rate
4.43%
1% Rule
0.51%
Fails
GRM
16.4x
Price / Income
6.1x

Market Data

Median Home Price$305,000
Median Monthly Rent$1,550
Property Tax Rate0.55%
Population72,610
Population Growth1.6% / yr
Median Household Income$50,200
Vacancy Rate5.2%
Annual Appreciation3.5%

2026 Market Update: Greenville

Greenville's 0.5% rent-to-price ratio is well below the 1% rule. At median prices of $305,000, the $1,550/mo rent produces only $1,126/mo in NOI. Investors here need to target below-median properties or pursue value-add strategies to make the numbers work.

At current rates, a 20% down conventional loan ($61K at 7%) would result in approximately $-497/mo cash flow — negative at median prices. Larger down payments, seller financing, or buying 15–25% below median are strategies to turn the numbers positive.

With 1.6% annual population growth paired with 3.5% home appreciation, Greenville offers a rare combination of current cash flow and future equity upside. The 16.4x gross rent multiplier suggests the market hasn't fully priced in this growth trajectory.

Cap Rate Calculator — Greenville

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

Property Details
$
$
3–8% typical
%
Monthly Expenses
0.55% rate
$
$
8–10% of rent
$
8–12% of rent
$
Cap Rate
3.73%Low
Net Operating Income ÷ Purchase Price
NOI / Year
$11,381
net operating income
Gross Rent Multiplier
16.4x
High (>15)
1% Rule
0.51%
✗ Fails
Monthly Cash Flow
$948
before debt service
Annual Breakdown
Gross Rental Income$18,600
Less Vacancy−$967
Effective Income$17,633
Less Operating Expenses−$6,252
Net Operating Income$11,381
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Cash-on-Cash Return — Greenville

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

$
$76,250
%
%
years
$
taxes + ins + maint + mgmt
$
$
Cash-on-Cash Return
-8.32%Weak
Annual Cash Flow ÷ Total Cash Invested
Total Cash Invested
$85,400
$76,250 down + $9,150 closing
Monthly Mortgage
$1,491
on $229K loan
Monthly Cash Flow
$-592
after all expenses
Annual Cash Flow
$-7,107
before taxes
Cash Flow Breakdown
Monthly Rent$1,550
Less Expenses−$651
Less Mortgage−$1,491
Monthly Cash Flow$-592

Is Greenville a Good Place to Invest in Rental Property?

Greenville, SC has a population of 72,610 and has been growing at 1.6% annually — above the national average, suggesting steady demand pressure on housing. The median home price of $305,000 paired with median rents of $1,550/mo produces an estimated cap rate of 4.43%.

Property taxes at 0.55% are well below the national average of ~1.1%, providing a meaningful cash flow advantage many investors overlook. The vacancy rate of 5.2% is moderate and within normal parameters for a healthy rental market.

At a price-to-income ratio of 6.1x, homes cost about 6.1 times the local median income of $50,200. This elevated ratio means homeownership is stretched, supporting rental demand but limiting buyer pools. Home values have appreciated at roughly 3.5% annually. Steady appreciation means total returns will be primarily cash flow-driven — the more sustainable model for long-term wealth building.

Bottom line: Greenville presents moderate opportunities. Cap rates near 4.43% mean deals need careful sourcing — look for value-add rehabs or emerging neighborhoods where rents are climbing.

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