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Cap Rate Analysis: Stamford, CT

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

Challenging for pure cash flow
Based on $520,000 median price and $2,200/mo median rent
Est. Cap Rate
2.50%
1% Rule
0.42%
Fails
GRM
19.7x
Price / Income
5.6x

Market Data

Median Home Price$520,000
Median Monthly Rent$2,200
Property Tax Rate1.55%
Population135,000
Population Growth0.3% / yr
Median Household Income$92,400
Vacancy Rate4.5%
Annual Appreciation2.6%

Cap Rate Calculator — Stamford

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

Property Details
$
$
3–8% typical
%
Monthly Expenses
1.55% rate
$
$
8–10% of rent
$
8–12% of rent
$
Cap Rate
1.98%Low
Net Operating Income ÷ Purchase Price
NOI / Year
$10,320
net operating income
Gross Rent Multiplier
19.7x
High (>15)
1% Rule
0.42%
✗ Fails
Monthly Cash Flow
$860
before debt service
Annual Breakdown
Gross Rental Income$26,400
Less Vacancy−$1,188
Effective Income$25,212
Less Operating Expenses−$14,892
Net Operating Income$10,320

Cash-on-Cash Return — Stamford

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

$
$130,000
%
%
years
$
taxes + ins + maint + mgmt
$
$
Cash-on-Cash Return
-10.44%Weak
Annual Cash Flow ÷ Total Cash Invested
Total Cash Invested
$145,600
$130,000 down + $15,600 closing
Monthly Mortgage
$2,543
on $390K loan
Monthly Cash Flow
$-1,267
after all expenses
Annual Cash Flow
$-15,198
before taxes
Cash Flow Breakdown
Monthly Rent$2,200
Less Expenses−$924
Less Mortgage−$2,543
Monthly Cash Flow$-1,267

Is Stamford a Good Place to Invest in Rental Property?

Stamford, CT has a population of 135,000 and has been growing at 0.3% annually — roughly in line with national trends, meaning demand is stable but not exceptional. The median home price of $520,000 paired with median rents of $2,200/mo produces an estimated cap rate of 2.50%.

Property taxes at 1.55% 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 4.5% is impressively low, indicating tight rental supply and strong tenant demand — favorable for landlords.

At a price-to-income ratio of 5.6x, homes cost about 5.6 times the local median income of $92,400. This moderate ratio indicates a balanced rent-vs-buy market. Home values have appreciated at roughly 2.6% annually. Steady appreciation means total returns will be primarily cash flow-driven — the more sustainable model for long-term wealth building.

Bottom line: At current median prices, Stamford is challenging for pure cash flow investing. Consider BRRRR strategies with below-market purchases, or look at neighboring metros with stronger price-to-rent ratios.

Run a BRRRR analysis for Stamford
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