See the numbers behind a Texas rental
Compare income, expenses, financing, and reserves before discussing a property.
What could my home cost each month?
Adjust assumptions
About this estimate
Illustrative defaults, September 16, 2026—not live rates, a lender quote or loan approval. Replace taxes, insurance, PMI and rent with property-specific estimates. Inputs stay in this browser.
PMI is not added automatically; enter it when applicable. Utilities and moving costs are excluded. Lender-specific fees need separate review.
Estimated monthly housing payment
Planning estimate in US dollars. Edit the assumptions to match a specific home.
Estimate breakdown
- Principal and interest / month
- $1,517
- Property tax / month
- $500
- Home insurance / month
- $200
- Mortgage insurance / month
- $0
- HOA / month
- $0
- Housing payment / month
- $2,217
- Ownership budget including maintenance / month
- $2,467
- Upfront cash including closing costs and reserves
- $79,000
What home price fits my budget?
Adjust assumptions
About this estimate
Illustrative defaults, September 16, 2026—not live rates, a lender quote or loan approval. Replace taxes, insurance, PMI and rent with property-specific estimates. Inputs stay in this browser.
This estimate uses your spending budget and upfront cash. It does not evaluate income, debts or lender eligibility.
PMI is not added automatically; enter it when applicable. Utilities and moving costs are excluded. Lender-specific fees need separate review.
Estimated maximum search price
Available upfront cash limits this estimate.
Planning estimate in US dollars. Edit the assumptions to match a specific home.
Estimate breakdown
- Principal and interest / month
- $1,539
- Property tax / month
- $507
- Home insurance / month
- $200
- Mortgage insurance / month
- $0
- HOA / month
- $0
- Housing payment / month
- $2,246
- Ownership budget including maintenance / month
- $2,496
- Upfront cash including closing costs and reserves
- $80,000
See the numbers behind a Texas rental
Adjust assumptions
About this estimate
Illustrative defaults, September 16, 2026—not live rates, a lender quote or loan approval. Replace taxes, insurance, PMI and rent with property-specific estimates. Inputs stay in this browser.
PMI is not added automatically; enter it when applicable. Utilities and moving costs are excluded. Lender-specific fees need separate review.
Monthly cash flow after financing and reserves
Planning estimate in US dollars. Edit the assumptions to match a specific home.
Monthly cash flow by year of ownership
- Cash flow turns positive
- Not within 10 years
- Cash you add over 10 years
- $58,556
Show the numbers as a table
| Year of ownership | Monthly cash flow | Downside monthly cash flow |
|---|---|---|
| 1 | -$619 | -$928 |
| 2 | -$592 | -$911 |
| 3 | -$565 | -$893 |
| 4 | -$536 | -$874 |
| 5 | -$507 | -$855 |
| 6 | -$476 | -$835 |
| 7 | -$445 | -$814 |
| 8 | -$413 | -$793 |
| 9 | -$380 | -$771 |
| 10 | -$346 | -$749 |
Assumes rent and costs grow at these rates every year while the loan payment and mortgage insurance stay fixed. An illustration, not a forecast or guarantee.
Estimate breakdown
- Annual NOI (before financing)
- $12,571
- Cap rate
- 4.2%
- Cash-on-cash return
- -10.0%
- Acquisition cash invested
- $74,000
- Break-even occupancy
- 123.1%
- Downside monthly cash flow¹
- -$928
¹ Downside uses 10% lower rent and 5 percentage points more vacancy. Change inputs to explore other cases. Returns are estimates, not guarantees. Cash flow deducts financing and capital reserves; NOI does not.
Request a property reviewNORTH TEXAS · SCHOOL EXPLORER
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Choose an ISD to explore its schools, attendance boundaries and address lookup.
- McKinney ISDAttendance maps and published feeder pathways
- Plano ISDAttendance maps and pathways through senior high
- Richardson ISDAttendance maps and published school communities
- Frisco ISDAttendance maps and published feeder pathways
- Carrollton-Farmers Branch ISDLive attendance maps and published feeder pathways
City limits and school districts are different. A mailing city does not determine a home’s assigned schools.
Test the full costs
Include vacancy, maintenance, management, financing, and cash reserves.
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Choose a next step
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Your next step
Discuss this with ThynnThynn Lim · Coldwell Banker · Equal Housing Opportunity. Services available in English and Burmese.