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Market MapTexasPolk

Polk County

TexasPopulation: 50,536
70
/100
Buy
#0 of 0 counties
#21 in Texas (243 counties)
Analysis by RentalCalcs Research·Independent data + algorithm-driven scoring
Updated July 20, 2026Sources: Zillow ZHVI, Zillow ZORI, US Census ACS, Tax Foundation

Market Snapshot

$183,009
Median Home Price
0% below national median
$1,643/mo
Median Rent
0% below national median
10.78%
Rent-to-Price Ratio
Top 50% nationally
+$109
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Scenario comparison

Same $1,643/mo rent assumption, 20% down, 6.85% rate. What changes is the acquisition price.
ScenarioPurchase priceMonthly cash flowCap rateCash-on-cash
75% of median
value-add or distressed
$137,257+$349/mo9.3%+13.3%
Median
typical MLS deal
$183,009+$109/mo7.0%+3.1%
125% of median
newer / premium
$228,762-$131/mo5.6%-3.0%

Price History

Median Home Price

Median Rent

Historical data from Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$183,009
Down Payment (20%)$36,602
Loan Amount$146,407
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,643
Monthly P&I-$959
Est. Expenses (35%)-$575
Net Cash Flow+$109/mo
7.0%
Cap Rate (all cash)
3.1%
Cash-on-Cash Return
10.78%
Rent-to-Price Ratio

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
70/100
70
Cash Flow(30%)
100/100

Based on 10.78% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
37/100

Based on -2.6% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
91/100

Based on price relative to estimated local incomes.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

  • +Positive cash flow potential (+$109/mo)
  • +Affordable relative to local incomes
  • +Complete rent data available

Challenges

  • -Declining home values (-2.6% YoY)

Economic Indicators

Population
50,536
Median Income
—
Data pending
Unemployment Rate
—
Data pending
Price-to-Income
—
Data pending

Who this market fits

Best for
  • +Cash-flow buyers: the deal pencils at typical financing
  • +First-time investors looking for lower-risk markets
Skip if
  • −You expect appreciation to carry the deal, but prices have declined year over year

Compare to Nearby Counties

CountyVerdict
CurrentPolkTX
70$183,009$1,64310.78%Buy
CallahanTX
69$206,313Est. pending—BuyView
WichitaTX
68$163,787$1,1838.67%BuyView
CottleTX
68$65,066Est. pending—BuyView
DonleyTX
68$107,131Est. pending—BuyView
DawsonTX
68$102,880Est. pending—BuyView

The Bottom Line

BuyPolk offers solid investment potential with positive cash flow at typical financing.

Polk County in Texas scores 70/100, ranking #0 of 0 US counties (top 50%). At 20% down and current rates, a median-priced rental clears about $109/month in cash flow, backed by a 10.78% gross rent-to-price ratio.

Monthly Cash Flow
+$109/mo
Cap Rate
7.0%
Cash-on-Cash
3.1%

Related markets

Markets like Polk with stronger cash flow

  • Wichita County for cash-flow rentals

Cheaper alternatives to Polk

  • Cottle County, lower entry price
  • Dawson County, lower entry price
  • Donley County, lower entry price

Head-to-head comparisons

  • Polk vs Callahan for rentals
  • Polk vs Wichita for rentals
  • Polk vs Cottle for rentals
All counties in Texas →

Rent vs buy in Texas cities

Rent vs buy in Houston, TXMedian $277,740 · rent $1,584/moRent vs buy in San Antonio, TXMedian $252,853 · rent $1,362/moRent vs buy in Dallas, TXMedian $303,490 · rent $1,635/moRent vs buy in Austin, TXMedian $467,178 · rent $1,595/moRent vs buy in Fort Worth, TXMedian $316,863 · rent $1,616/moAll Texas citiesFull rent-vs-buy directory for the state

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