Factor in financing to see your actual return on invested capital in Hutchinson.
$
$37,500
%
%
years
$
taxes + ins + maint + mgmt
$
$
Cash-on-Cash Return
-7.21%Weak
Annual Cash Flow ÷ Total Cash Invested
Total Cash Invested
$42,000
$37,500 down + $4,500 closing
Monthly Mortgage
$733
on $113K loan
Monthly Cash Flow
$-252
after all expenses
Annual Cash Flow
$-3,029
before taxes
Cash Flow Breakdown
Monthly Rent$830
Less Expenses−$349
Less Mortgage−$733
Monthly Cash Flow$-252
Is Hutchinson a Good Place to Invest in Rental Property?
Hutchinson, KS has a population of 50,000 and has been growing at 0.7% annually — roughly in line with national trends, meaning demand is stable but not exceptional. The median home price of $150,000 paired with median rents of $830/mo produces an estimated cap rate of 4.11%.
Property taxes at 1.38% fall within the national average range and shouldn't present unusual challenges. The vacancy rate of 5.3% is moderate and within normal parameters for a healthy rental market.
At a price-to-income ratio of 2.7x, homes cost about 2.7 times the local median income of $55,200. 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 2.5% annually. Steady appreciation means total returns will be primarily cash flow-driven — the more sustainable model for long-term wealth building.
Bottom line: Hutchinson presents moderate opportunities. Cap rates near 4.11% mean deals need careful sourcing — look for value-add rehabs or emerging neighborhoods where rents are climbing.
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