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Cap Rate Analysis: Amarillo, TX

Investment metrics, interactive calculators, and data-driven analysis for Amarillo rental properties.

Moderate — source deals carefully
Based on $175,000 median price and $1,100/mo median rent
Est. Cap Rate
4.66%
1% Rule
0.63%
Fails
GRM
13.3x
Price / Income
3.4x

Market Data

Median Home Price$175,000
Median Monthly Rent$1,100
Property Tax Rate1.62%
Population200,810
Population Growth0.7% / yr
Median Household Income$51,800
Vacancy Rate6.1%
Annual Appreciation2.2%

Cap Rate Calculator — Amarillo

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

Property Details
$
$
3–8% typical
%
Monthly Expenses
1.62% rate
$
$
8–10% of rent
$
8–12% of rent
$
Cap Rate
3.71%Low
Net Operating Income ÷ Purchase Price
NOI / Year
$6,491
net operating income
Gross Rent Multiplier
13.3x
Good (<15)
1% Rule
0.63%
✗ Fails
Monthly Cash Flow
$541
before debt service
Annual Breakdown
Gross Rental Income$13,200
Less Vacancy−$805
Effective Income$12,395
Less Operating Expenses−$5,904
Net Operating Income$6,491

Cash-on-Cash Return — Amarillo

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

$
$43,750
%
%
years
$
taxes + ins + maint + mgmt
$
$
Cash-on-Cash Return
-5.33%Weak
Annual Cash Flow ÷ Total Cash Invested
Total Cash Invested
$49,000
$43,750 down + $5,250 closing
Monthly Mortgage
$856
on $131K loan
Monthly Cash Flow
$-218
after all expenses
Annual Cash Flow
$-2,612
before taxes
Cash Flow Breakdown
Monthly Rent$1,100
Less Expenses−$462
Less Mortgage−$856
Monthly Cash Flow$-218

Is Amarillo a Good Place to Invest in Rental Property?

Amarillo, TX has a population of 200,810 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 $175,000 paired with median rents of $1,100/mo produces an estimated cap rate of 4.66%.

Property taxes at 1.62% 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 6.1% is moderate and within normal parameters for a healthy rental market.

At a price-to-income ratio of 3.4x, homes cost about 3.4 times the local median income of $51,800. 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 2.2% annually. Steady appreciation means total returns will be primarily cash flow-driven — the more sustainable model for long-term wealth building.

Bottom line: Amarillo presents moderate opportunities. Cap rates near 4.66% mean deals need careful sourcing — look for value-add rehabs or emerging neighborhoods where rents are climbing.

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