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House Hack Calculator

© 2026 Frontflip, LLC.Terms of servicePrivacy policy

Texas House Hack Calculator

House hacking means living in one unit and renting the rest. Pre-filled with Texas median prices, rents, and tax rates. See your effective housing cost after rental income and savings versus renting.

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Property & Financing

Units & Rental Income(Texas defaults)

Monthly Rental Income$2,611

Operating Expenses(Texas defaults)

Total Monthly Expenses$1,143

Rent Comparison

Monthly Savings vs. Renting$771

Texas Market Context

Avg Cap Rate

5.8%

Median Price

$338K

Property Tax

1.25%

Vacancy Rate

9.2%

Local Factors

  • -No state income tax but very high property taxes and insurance eat into cash flow
  • -Massive new construction in Dallas, Houston, Austin, and San Antonio is increasing vacancy
  • -Population growth remains strong but rent growth has stalled in oversupplied metros

Sources

World Population Review – Median Home PriceFL Probate Law – Property Tax Rates (ACS Data)The Hartford – Insurance RatesiPropertyManagement – Vacancy Rates

Effective Housing Cost

$667

Good
Monthly Mortgage$2,136
Monthly Expenses$1,143
Total Monthly Cost$3,279
Rental Income− $2,611
Cost Coverage79.6%
Annual Savings vs. Rent$9,247
Cash on Cash Return-47.4%

Who Covers Your Costs

COVERAGE80%
Rental Income$2,611
Your Cost$667

What does this mean?

Solid house hack. Your effective housing cost is well below typical market rent. You're building equity while keeping monthly costs manageable.

Keep running the numbers

One calculator rarely tells the whole story.

House hacking in Texas changes the math on everything. Run the rest of the numbers.

Cash on Cash Return

Measure the annual return on your actual cash invested, factoring in financing, expenses, and rental income.

Calculate

Mortgage

Calculate your monthly mortgage payment, total interest, and see a full cost breakdown.

Calculate

Rent vs. Buy

Compare the total cost of ownership versus renting over time.

Calculate

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