%
CapRateCity
Free cap rate calculators for every US market
← All markets

Cap Rate Analysis: Tampa, FL

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

Challenging for pure cash flow
Based on $365,000 median price and $1,720/mo median rent
Est. Cap Rate
3.75%
1% Rule
0.47%
Fails
GRM
17.7x
Price / Income
6.2x

Market Data

Median Home Price$365,000
Median Monthly Rent$1,720
Property Tax Rate0.83%
Population404,636
Population Growth1.9% / yr
Median Household Income$58,700
Vacancy Rate4.8%
Annual Appreciation4.2%

Cap Rate Calculator — Tampa

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

Property Details
$
$
3–8% typical
%
Monthly Expenses
0.83% rate
$
$
8–10% of rent
$
8–12% of rent
$
Cap Rate
3.13%Low
Net Operating Income ÷ Purchase Price
NOI / Year
$11,441
net operating income
Gross Rent Multiplier
17.7x
High (>15)
1% Rule
0.47%
✗ Fails
Monthly Cash Flow
$953
before debt service
Annual Breakdown
Gross Rental Income$20,640
Less Vacancy−$991
Effective Income$19,649
Less Operating Expenses−$8,208
Net Operating Income$11,441

Cash-on-Cash Return — Tampa

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

$
$91,250
%
%
years
$
taxes + ins + maint + mgmt
$
$
Cash-on-Cash Return
-9.24%Weak
Annual Cash Flow ÷ Total Cash Invested
Total Cash Invested
$102,200
$91,250 down + $10,950 closing
Monthly Mortgage
$1,785
on $274K loan
Monthly Cash Flow
$-787
after all expenses
Annual Cash Flow
$-9,440
before taxes
Cash Flow Breakdown
Monthly Rent$1,720
Less Expenses−$722
Less Mortgage−$1,785
Monthly Cash Flow$-787

Is Tampa a Good Place to Invest in Rental Property?

Tampa, FL has a population of 404,636 and has been growing at 1.9% annually — above the national average, suggesting steady demand pressure on housing. The median home price of $365,000 paired with median rents of $1,720/mo produces an estimated cap rate of 3.75%.

Property taxes at 0.83% fall within the national average range and shouldn't present unusual challenges. The vacancy rate of 4.8% is impressively low, indicating tight rental supply and strong tenant demand — favorable for landlords.

At a price-to-income ratio of 6.2x, homes cost about 6.2 times the local median income of $58,700. This elevated ratio means homeownership is stretched, supporting rental demand but limiting buyer pools. Home values have appreciated at roughly 4.2% annually. Above-average appreciation adds an equity component to total returns, though deals should still pencil on cash flow alone.

Bottom line: At current median prices, Tampa 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 Tampa
Model a buy-rehab-refinance deal with Tampa data pre-loaded.
Open BRRRR Calculator →