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Warren, MI Cap Rate: 4.09% — Rental Property Analysis

Warren is a mid-range market in the Midwest with a smaller market with 139,000 residents. At a 4.09% estimated cap rate, this is a moderate market where rents of $1,460/mo lag behind home prices. With a median home price of $260,000 and population is roughly stable, Warren 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 $260,000 median price and $1,460/mo median rent
Est. Cap Rate
4.09%
1% Rule
0.56%
Fails
GRM
14.8x
Price / Income
5.3x

Market Data

Median Home Price$260,000
Median Monthly Rent$1,460
Property Tax Rate1.44%
Population139,000
Population Growth0.1% / yr
Median Household Income$48,600
Vacancy Rate6%
Annual Appreciation2.2%

2026 Market Update: Warren

Warren's 0.6% rent-to-price ratio is well below the 1% rule. At median prices of $260,000, the $1,460/mo rent produces only $887/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 ($52K at 7%) would result in approximately $-496/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.

Property taxes consume 21% of gross rent here — one of the highest ratios in our dataset. This significantly compresses margins and makes Warren a market where tax-conscious underwriting is essential. Every deal should be stress-tested with potential assessment increases.

Cap Rate Calculator — Warren

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

Property Details
$
$
3–8% typical
%
Monthly Expenses
1.44% rate
$
$
8–10% of rent
$
8–12% of rent
$
Cap Rate
3.28%Low
Net Operating Income ÷ Purchase Price
NOI / Year
$8,525
net operating income
Gross Rent Multiplier
14.8x
Good (<15)
1% Rule
0.56%
✗ Fails
Monthly Cash Flow
$710
before debt service
Annual Breakdown
Gross Rental Income$17,520
Less Vacancy−$1,051
Effective Income$16,469
Less Operating Expenses−$7,944
Net Operating Income$8,525
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Cash-on-Cash Return — Warren

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

$
$65,000
%
%
years
$
taxes + ins + maint + mgmt
$
$
Cash-on-Cash Return
-6.99%Weak
Annual Cash Flow ÷ Total Cash Invested
Total Cash Invested
$72,800
$65,000 down + $7,800 closing
Monthly Mortgage
$1,271
on $195K loan
Monthly Cash Flow
$-424
after all expenses
Annual Cash Flow
$-5,091
before taxes
Cash Flow Breakdown
Monthly Rent$1,460
Less Expenses−$613
Less Mortgage−$1,271
Monthly Cash Flow$-424

Is Warren a Good Place to Invest in Rental Property?

Warren, MI has a population of 139,000 and has been growing at 0.1% annually — roughly in line with national trends, meaning demand is stable but not exceptional. The median home price of $260,000 paired with median rents of $1,460/mo produces an estimated cap rate of 4.09%.

Property taxes at 1.44% fall within the national average range and shouldn't present unusual challenges. The vacancy rate of 6% is moderate and within normal parameters for a healthy rental market.

At a price-to-income ratio of 5.3x, homes cost about 5.3 times the local median income of $48,600. This moderate ratio indicates a balanced rent-vs-buy market. Home values have appreciated at roughly 2.2% annually. Steady appreciation means total returns will be primarily cash flow-driven — the more sustainable model for long-term wealth building.

Bottom line: Warren presents moderate opportunities. Cap rates near 4.09% mean deals need careful sourcing — look for value-add rehabs or emerging neighborhoods where rents are climbing.

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