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Break-even Rent Calculator
Estimate the rent you need to cover costs (and hit a target cash flow).
Parcel Platform
Mar 4, 2026
Break-even Rent Calculator
Costs $2,450/mo • 5% vacancy
Break-even Rent
$2,579/mo
Rent Needed (target cash flow)
$2,789/mo
Break-even rent is the rent that covers costs (after vacancy). Use a target cash flow if you want extra margin.
How this calculator works
Break-even rent answers a simple question: what rent do you need to cover your monthly costs? You can also add a target cash flow to see the rent required to hit your goal.
What it includes
- Break-even rent estimate
- Rent needed for target cash flow
- Vacancy + variable expense sensitivity
How to use it
- Enter your monthly debt service (mortgage payment).
- Add fixed operating costs (taxes, insurance, HOA, utilities you pay).
- Add vacancy and any variable expenses as a percent of rent (management/reserves).
- Review the rent required to break even (or to hit your target cash flow).
FAQ
Should I include reserves for repairs in this?
Yes. If you don’t reserve for maintenance/capex, break-even rent will look lower than reality. Use a variable % or add them as a fixed monthly amount.
Does this include taxes, insurance, and HOA?
It can—add them as fixed operating costs. The more complete your inputs, the more realistic your break-even rent becomes.
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