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Rental Yield Calculator

Rental yield tells you how much cash a US rental property generates relative to its price. Gross yield is rough; net yield (after all costs) is what really matters.

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Down payment + closing + reno

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How to use this calculator

  1. Enter the property price and what you can rent it for monthly.
  2. Add annual insurance and maintenance estimates.
  3. Enter property management % (8-10% is typical) and a vacancy allowance (5-10%).
  4. Add your total cash invested to see cash-on-cash return.

What your results mean

Gross yield ignores costs. Net yield subtracts vacancy, management, insurance, and maintenance. Cash-on-cash is net income divided by cash invested — the metric most US investors care about. Anything 8%+ is generally considered strong.

5 ways to boost rental yield

  • Self-manage if you have the time — save 8-10% of gross rent.
  • Add a bedroom or finish a basement — rent often rises faster than the cost.
  • Raise rent annually to keep up with market — long-term under-rent destroys yield.
  • Refinance when rates drop to lower your debt service.
  • Target B-class neighborhoods over A-class — yields are usually 1-2% higher.

Frequently asked questions