4217 Heron Ave #21 · McAllen, TX
Flood risk 1/10 · Minimal
- FEMA flood zone
- X
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 4/10 · Minor
- Est. fire insurance / yr
- $1,222 – $2,270
Heat risk 9/10 · Severe
- Hot days now (above 111°F)
- 7 days/yr
- Hot days in 30 yrs
- 22 days/yr
Wind risk 8/10 · Major
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 0 days/yr
- Unhealthy air days in 30 yrs
- 1 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the D- grade
The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).
- ARV discount +8.8/15.0
- Cash flow +7.6/30.0
- Condition / age +4.0/5.0
- Schools +3.8/10.0
- Livability +3.8/5.0
- Rent growth +3.1/5.0
- 1% rule +3.0/10.0
- DSCR +1.7/10.0
- Appreciation +0.0/10.0
$169,500
4217 Heron Ave #21 · McAllen, TX 78504
3 bd · 2.0 ba · 980 sqft · Condo
· 174 Days on market
Built 2026
$173/sqft
· at area comps
Est $174k · at est.
$110/mo HOA · 8% of rent
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks
McAllen Gated Community with Common area park , front units with $7,000 in sellers consessions, great prices under $170k! With 600+ credit you may qualify for $500 Down lending program! Free Application! Common area: Pickleball court, Half basketball court, Jogging trails and Community Park with BBQ pits and Playground. Each unit has 3 bed & 2 bath, with 2 assigned parking spaces, 1 is covered parking. All main kitchen appliances included with stainless steel appliances except dishwasher. Washer and dryer connections, spacious main walk-in closet, one shower and one tub. private patio! This front unit is low maintenance with a side patio.
Key facts
- Gated community
- Common area park
- Pickleball court
Tags
Neighborhood map
Sold within
Property
Rental comp
Retail
Costco
Walmart
Transit
Schools
Stadiums
Fortune 500
· Circle radius: 6.0 mi
Loading POIs…
What this means for you Summary
Snapshot
- This is a 3-bed/2.0-bath condo listed at $170k. Condition is rated good.
Deal economics
- At list price, monthly cash flow is $-206 ($-2k/yr) — negative.
- To cash-flow at today's rent, offer at most $140k (17.6% below list).
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $136k (19.7% below list).
- Recommended offer: $136k (19.7% below list) — sets the bar for 1% rule.
- Cap rate 4.8% vs local median 4.0% in McAllen — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.
Location & tenants
- Location reads 76/100 on livability (#119 in TX, #3,771 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: employment D, amenities F, commute F.
- Sharyland ISD (urban): math 34% / reading 44% proficiency, ranked #406 of 826 in TX (top 49%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
- Zoned schools: Donna Wernecke El (math 23% / reading 35%, grade F, #2,668 of 4,322 statewide, top 63%, 697 students, 71% FRL); Sharyland North J H (math 46% / reading 42%, grade D, #512 of 1,662 statewide, top 32%, 806 students, 74% FRL); Sharyland Pioneer H S (math 31% / reading 51%, grade F, #774 of 1,632 statewide, top 49%, 1,471 students, 68% FRL) — zoned schools average 71% FRL vs 55% district-wide (16 pts higher); higher-poverty schools than district average — tighter screening recommended.
- Market conditions: Rents rising (+2.6%/yr); 1251 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 110d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 78% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 7,378 units permitted in Hidalgo County in 2024 (641 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
- Hidalgo County population projected at +28% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
Negotiation context
- It's been on market 174 days — a 12% lower offer ($149k) is reasonable based on typical stale-listing flexibility.
Risks & watch-outs
- Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer
$136,061
(19.7% below list)
Questions for the listing agent
- What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
- It's been on market 174 days. Have you received any prior offers? Is the seller open to a 20% concession, seller financing, or rate buy-down credit?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
- The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
- What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
- What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
- How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.
Investment metrics
- 1% rule
- 0.80% ✗
- Cap rate
- 4.83%
- Cash-on-cash
- -5.22%
- DSCR
- 0.77
- GRM
- 10.4
CMA / ARV
- ARV (median comp)
- $174,500
- List price
- $169,500
- Delta
- -2.87%
- Verdict
- FAIR
- Comps
- 8 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 4213 Heron Ave #27 | 0.00mi | 3/2.0 | 980 (0%) | 1mo | $179,500 | $183 | 99 |
| 4209 Heron Ave #31 | 0.00mi | 3/2.0 | 980 (0%) | 1mo | $174,500 | $178 | 99 |
| 4221 Heron Ave Unit 17 Front | 0.00mi | 3/2.0 | 980 (0%) | 2mo | $169,500 | $173 | 98 |
| 4225 Heron Ave #15 | 0.00mi | 3/2.0 | 980 (0%) | 2mo | $175,000 | $179 | 98 |
| 4225 Heron Ave #13 | 0.00mi | 3/2.0 | 980 (0%) | 4mo | $169,500 | $173 | 97 |
| 4225 Heron Ave #14 | 0.00mi | 3/2.0 | 980 (0%) | 4mo | $169,500 | $173 | 97 |
| 6006 N 48th Ln | 0.04mi | 3/2.0 | 1,158 (+18%) | 2mo | $155,000 | $134 | 72 |
| 6009 N 43rd St #133 | 0.39mi | 3/2.0 | 1,088 (+11%) | 1mo | $189,700 | $174 | 63 |
| 5213 N Taylor Rd | 0.23mi | 2/2.0 (-1) | 1,114 (+14%) | 4mo | $120,000 | $108 | 58 |
| 5707 N 43rd Ln | 0.42mi | 3/2.0 | 1,203 (+23%) | 2mo | $150,000 | $125 | 53 |
| 5904 N 42nd St | 0.50mi | 3/2.0 | 1,220 (+24%) | 0mo | $174,995 | $143 | 51 |
| 3808 Bluebird Ave | 0.79mi | 4/2.0 (+1) | 1,213 (+24%) | 3mo | $169,000 | $139 | 33 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
-3.0% appreciation · 2.57% rent growth · sell at horizon
5-year hold
- IRR
- -25.7%
- Equity multiple
- 0.13×
- Total profit
- $-41,116
- Equity at exit
- $25,273
10-year hold
- IRR
- -23.4%
- Equity multiple
- -0.15×
- Total profit
- $-54,765
- Equity at exit
- $14,655
Cash invested: $47,460 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 87 Strongly Landlord-Friendly
- State Texas
- 87 Strongly Landlord-Friendly · R+5
- County
- — inherits STATE
- City
- — inherits STATE
3-day notice; statewide preemption; one of the fastest eviction climates; Travis County (Austin) slightly slower.
Active competition Active MLS
- For sale now
- 1 active · 3 under contract
- Median asking
- $169,000 ($172/sqft)
- Median days on market
- 145 d
- This list price
- 100% of active listings are priced below it
- ARV vs active asking
- +3.3% vs current asking $/sqft
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 78504
- Home prices YoY
- -29.4%
- Rents YoY
- 2.6%
- Active inventory
- 1251
- Price-to-rent
- 10.4×
Monthly cashflow live
↻
- Estimated rent
- $1,361 high interval (Pro) →
- Mortgage (P&I)
- −$889
- Tax est. 1.5%
- −$212 /mo · $2,542/yr
- Insurance
- −$71
- HOA
- −$110
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$286
- Net cashflow
- $-206
Break-even live
Break-even rent
$1,622
Max offer price
$139,620
Occupancy floor
—
Sensitivity live
| Price | -10% $-89 | -5% $-148 | +0% $-206 | +5% $-265 | +10% $-324 |
|---|---|---|---|---|---|
| Rent | -10% $-314 | -5% $-260 | +0% $-206 | +5% $-153 | +10% $-99 |
| Rate | -1.0pp $-121 | -0.5pp $-163 | base $-206 | +0.5pp $-250 | +1.0pp $-295 |
UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt
Financing live
Cash to close
- Down payment
- $42,375
- Closing costs
- $5,085
- Club membership (one-time)
- —
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 4213 Heron Ave Unit 25A McAllen, TX | 3.0 | 2.0 | 980 | $1,600 | $1.63 | 4d | 1 | 0.03mi |
| 4221 Heron Ave Unit 18A McAllen, TX | 3.0 | 2.0 | 980 | $1,450 | $1.48 | 4d | 1 | 0.03mi |
| 4225 Heron Ave #14 McAllen, TX | 3.0 | 2.0 | 952 | $1,100 | $1.16 | 62d | 1 | 0.03mi |
| 4305 Heron Ave Unit 6 McAllen, TX | 3.0 | 2.0 | 980 | $1,400 | $1.43 | 62d | 1 | 0.03mi |
| 5609 Nightingale Ave Unit 2 Mission, TX | 2.0 | 2.0 | 900 | $1,200 | $1.33 | 139d | 1 | 0.55mi |
| 5608 Nightingale Ave #4 Mission, TX | 3.0 | 2.0 | 1080 | $1,200 | $1.11 | 4d | 1 | 0.58mi |
| 5701 Nightingale Mission, TX | 2.0 | 2.0 | 910 | $950 | $1.04 | 119d | 1 | 0.58mi |
| 5701 Nightingale Ave Unit 3 Mission, TX | 2.0 | 2.0 | 1056 | $950 | $0.90 | 139d | 1 | 0.58mi |
| 5701 Nightingale Mission, TX | 2.0 | 2.0 | 910 | $1,000 | $1.10 | 139d | 1 | 0.58mi |
| 5709 Nightingale Ave Unit 5709-4 Palmhurst, TX | 3.0 | 2.0 | 1010 | $1,100 | $1.09 | 62d | 1 | 0.61mi |
| 5709 Nightingale Ave Unit 4 McAllen, TX | 3.0 | 2.0 | 1010 | $1,100 | $1.09 | 4d | 1 | 0.62mi |
| 5709 Nightingale Ave Unit 1 McAllen, TX | 3.0 | 2.0 | 1010 | $1,050 | $1.04 | 139d | 1 | 0.62mi |
| 5708 Nightingale Ave Unit 2 McAllen, TX | 2.0 | 2.0 | 1100 | $1,150 | $1.05 | 62d | 1 | 0.62mi |
| 5800 Nightingale Ave #1 Mission, TX | 2.0 | 2.0 | 987 | $1,000 | $1.01 | 4d | 1 | 0.64mi |
| 5601 Puffin Ave Mission, TX | 3.0 | 2.0 | 1100 | $1,200 | $1.09 | 4d | 1 | 0.64mi |
| 5804 Nightingale Ave Unit 4 Mission, TX | 2.0 | 2.0 | 983 | $1,000 | $1.02 | 62d | 1 | 0.65mi |
| 5605 Puffin Ave Unit 4 Palmhurst, TX | 2.0 | 1.5 | 980 | $1,100 | $1.12 | 62d | 1 | 0.66mi |
| 5601 Puffin Ave Unit 1 Mission, TX | 2.0 | 2.0 | 930 | $1,075 | $1.16 | 119d | 1 | 0.67mi |
| 5900 Nightingale Mission, TX | 3.0 | 2.0 | 1020 | $1,100 | $1.08 | 119d | 1 | 0.68mi |
| 5701 Puffin Ave Unit 3 Palmhurst, TX | 2.0 | 2.0 | 990 | $990 | $1.00 | 119d | 1 | 0.69mi |
| 5904 Nightingale Ave Unit 5904-4 Palmhurst, TX | 2.0 | 2.0 | 960 | $1,000 | $1.04 | 62d | 1 | 0.69mi |
| 6902 N 56th Ln Unit 1 Mission, TX | 2.0 | 2.0 | 990 | $990 | $1.00 | 119d | 1 | 0.70mi |
| 5700 Puffin Ave Unit 2 Palmhurst, TX | 2.0 | 2.0 | 1026 | $1,050 | $1.02 | 139d | 1 | 0.72mi |
| 5609 Quail Ave Unit 3 Palmhurst, TX | 2.0 | 2.0 | 970 | $950 | $0.98 | 114d | 1 | 0.73mi |
| 5600 Quail Ave Unit 1 Mission, TX | 2.0 | 2.0 | 979 | $990 | $1.01 | 62d | 1 | 0.73mi |
| 5805 Puffin Ave Mission, TX | 2.0 | 2.0 | 999 | $1,000 | $1.00 | 139d | 1 | 0.73mi |
| 5805 Puffin Ave Unit 1 Palmhurst, TX | 2.0 | 2.0 | 1093 | $1,000 | $0.91 | 109d | 1 | 0.73mi |
| 5600 Quail Ave Unit 3 Palmhurst, TX | 2.0 | 2.0 | 979 | $1,100 | $1.12 | 62d | 1 | 0.73mi |
| 5708 Puffin Ave Unit 1 Palmhurst, TX | 2.0 | 2.0 | 1026 | $1,050 | $1.02 | 139d | 1 | 0.74mi |
| 5905 Puffin Ave Unit 1 Mission, TX | 2.0 | 2.0 | 900 | $1,200 | $1.33 | 139d | 1 | 0.75mi |
| 5601 Swallow Ave Unit 1 Palmhurst, TX | 2.0 | 2.0 | 980 | $1,100 | $1.12 | 139d | 1 | 0.75mi |
| 7102 N 56th Ln Mission, TX | 2.0 | 2.0 | 980 | $1,075 | $1.10 | 4d | 1 | 0.76mi |
| 5605 Swallow Ave Unit 3 Palmhurst, TX | 2.0 | 2.0 | 980 | $1,000 | $1.02 | 139d | 1 | 0.76mi |
| 5900 Puffin Ave Unit 4 Palmhurst, TX | 2.0 | 2.0 | 1000 | $1,050 | $1.05 | 62d | 1 | 0.77mi |
| 5900 Puffin Ave Unit 1 Palmhurst, TX | 2.0 | 2.0 | 1000 | $1,000 | $1.00 | 109d | 1 | 0.77mi |
| 5609 Swallow Ave Unit 2 Palmhurst, TX | 3.0 | 2.0 | 980 | $1,190 | $1.21 | 139d | 1 | 0.78mi |
| 7106 N 56th Ln Mission, TX | 2.0 | 2.0 | 980 | $900 | $0.92 | 4d | 1 | 0.78mi |
| 5900 Puffin Ave Unit 2 Palmhurst, TX | 2.0 | 2.0 | 1000 | $1,100 | $1.10 | 139d | 1 | 0.78mi |
| 5909 Puffin Ave Unit 3 Palmhurst, TX | 2.0 | 2.0 | 932 | $900 | $0.97 | 114d | 1 | 0.79mi |
| 5701 Swallow Ave Unit 3 Palmhurst, TX | 2.0 | 2.0 | 1064 | $1,050 | $0.99 | 4d | 1 | 0.79mi |
Property features AI
Finance
- Other
- Lot approximately 0.1837 acres (about 8,000 sq ft)
- HOA & community
- Sunset Valley Owners AssociationAssociation dues $1,320 annuallyPOA mandatory with $250 transfer feeCommunity features include gated access and sidewalks
Exterior
- Parking
- Detached covered parking2 total parking spaces (2 covered)2-car carport
- Security
- Gated community
- Utilities
- Public waterCity sewerElectric service for heating and cooling
- Home design
- Stucco constructionOther construction materialsShingle roofSlab foundationBlueprints used for living area measurementPaved road access
- Construction
- Slab foundationStucco exterior
- Exterior features
- PatioBBQ pit / grillGazeboProfessional landscapingSidewalksSprinkler systemPrivacy wood fencing
Interior
- Kitchen
- Electric water heaterMicrowaveRefrigeratorStove / Range
- Bedrooms
- Master bedroom with walk-in closet(s)
- Flooring
- Tile
- Bathrooms
- 2 full bathrooms
- Heating & cooling
- Central heating (electric)Central air conditioning (electric)
- Interior features
- Granite and quartz countertopsDecorative / high ceilingsCeiling fan(s)No window coverings
- Laundry & utility
- Laundry closetWasher / Dryer connectionWasher and dryer included
HOA detail $110/mo · $1,320/yr condo
- Likely covers
- securityparking
- Assessments
- None detected in remarks — confirm with the listing agent.
Listing history 50 events
-
2026-09-23days on market $169,500 Active 174 DOM
-
2026-09-22days on market $169,500 Active 173 DOM
-
2026-09-21days on market $169,500 Active 172 DOM
-
2026-09-20days on market $169,500 Active 171 DOM
-
2026-09-19days on market $169,500 Active 170 DOM
-
2026-09-18days on market $169,500 Active 169 DOM
-
2026-09-17days on market $169,500 Active 168 DOM
-
2026-09-16statusdays on market $169,500 Active 167 DOM
-
2026-09-15days on market $169,500 Option 166 DOM
-
2026-09-14days on market $169,500 Option 165 DOM
-
2026-09-13days on market $169,500 Option 164 DOM
-
2026-09-12days on market $169,500 Option 163 DOM
-
2026-09-11days on market $169,500 Option 162 DOM
-
2026-09-05days on market $169,500 Option 156 DOM
-
2026-09-04days on market $169,500 Option 155 DOM
-
2026-09-03statusdays on market $169,500 Option 154 DOM
-
2026-08-31days on market $169,500 Active 151 DOM
-
2026-08-30days on market $169,500 Active 150 DOM
-
2026-08-29days on market $169,500 Active 149 DOM
-
2026-08-28days on market $169,500 Active 148 DOM
-
2026-08-27days on market $169,500 Active 147 DOM
-
2026-08-25days on market $169,500 Active 145 DOM
-
2026-08-24days on market $169,500 Active 144 DOM
-
2026-08-23days on market $169,500 Active 143 DOM
-
2026-08-22days on market $169,500 Active 142 DOM
-
2026-08-21days on market $169,500 Active 141 DOM
-
2026-08-20days on market $169,500 Active 140 DOM
-
2026-08-19days on market $169,500 Active 139 DOM
-
2026-08-18days on market $169,500 Active 138 DOM
-
2026-08-17days on market $169,500 Active 137 DOM
-
2026-08-16days on market $169,500 Active 136 DOM
-
2026-08-15days on market $169,500 Active 135 DOM
-
2026-08-15days on market $169,500 Active 134 DOM
-
2026-08-13days on market $169,500 Active 133 DOM
-
2026-08-12days on market $169,500 Active 132 DOM
-
2026-08-11days on market $169,500 Active 131 DOM
-
2026-08-10days on market $169,500 Active 130 DOM
-
2026-08-09days on market $169,500 Active 129 DOM
-
2026-08-08days on market $169,500 Active 128 DOM
-
2026-08-07days on market $169,500 Active 127 DOM
-
2026-08-06days on market $169,500 Active 126 DOM
-
2026-08-05days on market $169,500 Active 125 DOM
-
2026-08-04days on market $169,500 Active 124 DOM
-
2026-08-03days on market $169,500 Active 123 DOM
-
2026-07-31days on market $169,500 Active 120 DOM
-
2026-07-29days on market $169,500 Active 118 DOM
-
2026-07-27days on market $169,500 Active 116 DOM
-
2026-07-25days on market $169,500 Active 114 DOM
-
2026-07-24days on market $169,500 Active 113 DOM
-
2026-07-23days on market $169,500 Active 112 DOM
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Climate risk First Street
- Flood 1/10 Low FEMA zone X · 0% chance over 30 yrs
- Wildfire 4/10 Moderate
- Heat 9/10 Extreme 7 d/yr ≥111°F today · 22 d/yr by 30 yrs out
- Wind 8/10 Severe 99% chance of damaging wind over 30 yrs
- Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $16,327
- − Mortgage interest
- −$9,495
- − Property taxes
- −$2,542
- − Insurance
- −$848
- − Repairs & maintenance
- −$1,306
- − Management
- −$1,306
- − HOA
- −$1,320
- − Depreciation
- −$4,931
- Taxable loss
- −$5,421
combined federal + state — saved on this device
- Est. tax savings @ 24.0%
- +$1,301
- After-tax cash flow
- $-1,177/yr
For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.
Condition & rehab AI · 12 photos
80/100
None rehab
This property is in excellent condition with a modern kitchen and bathrooms, and a well-maintained exterior. It is move-in ready and has the potential for further value increases with minor improvements.
Value-add opportunities
- Both Landscaping and curb appeal improvements — Enhances the home's curb appeal and can attract more buyers or renters. ↑
- Both Add a smart home system — Improves convenience and can be a selling point for buyers. ↑
- Both Install smart locks — Enhances security and can be a selling point for buyers. ↑
- Both Add a smart thermostat — Saves on energy costs and can be a selling point for buyers. ↑
F
Composite school gradezoned avg 38/100
Zoned Schools
Elementary
Donna Wernecke El
F
TX #2,668/4,322
Nat'l #27,846/41,679
Middle
Sharyland North J H
D
TX #512/1,662
Nat'l #4,963/14,009
High
Sharyland Pioneer H S
F
TX #774/1,632
Nat'l #7,961/17,239
Schools (NCES district)
- District
- Sharyland ISD
- NCES district ID
- 4839930
- Math proficiency
- 34% ▼ -35.00%
- Reading proficiency
- 44% ▼ -15.00%
- Median HH income
- $57,792
- Composite
- 34.38/100
- National rank
- #5214
- State rank
- #406 of 826 in TX
B
Composite livability gradescore 76/100
Livability — McAllen
- Score
- 76/100
- State rank
- #119
- US rank
- #3771
Category grades
Amenities F
Commute F
Cost of living A+
Crime B+
Employment D
Housing A+
Health & safety A+
User ratings B
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- McAllen, TX
- County
- Hidalgo County · 955,232 people
- City population
- 144,650
- Metro
- McAllen-Edinburg-Mission, TX
- Population (ZIP)
- 63,094
- Household income
- $81,905
- Rent vs Own
- Severe rent burden
- 10% of renters
Population outlook (Hidalgo County) Hauer SSP2
- Today (2025)
- 955,232 people
- By 2030
- 1,009,774 · +5.7%
- By 2040
- 1,120,332 · +17.3%
- By 2050
- 1,225,036 · +28.2%
- By 2075
- 1,439,189 · +50.7%
- By 2100
- 1,533,429 · +60.5%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly Hispanic (82%)
- Race & ethnicity
- Hispanic / Latino 82% Two or more races 39% White 11% Asian 5%
- Hispanic origin (detail)
- Mexican 75%
- Common ancestry
- Lithuanian 1% Italian 1%
- Foreign-born
- 24% · Canada, South Korea, Vietnam
- Languages at home
- 34% English-only · Spanish 62% Other Asian/Pacific 1% Tagalog/Filipino 1%
Political lean MEDSL · Hidalgo
- 2024 margin
- Toss-up / Even · D 48.1% · R 51.0%
- 2008→2024 swing
- -41.6pp toward R · 2008: 38.7pp · 2024: -2.9pp
- All cycles
- 2024: R+2.9 2020: D+17.1 2016: D+40.5 2012: D+41.8 2008: D+38.7
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -80.87%
- Current HPI
- 194.1764
- Rent YoY
- ▲ 2.57%
- Metro
- McAllen-Edinburg-Mission, TX
- State GDP YoY
- ▲ 3.95%
- F500 in state
- 110
Industry mix (Fortune 500 HQ in TX)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Energy | 16 | $1,198B |
|
||
| Technology | 5 | $198B |
|
||
| Engineering / Construction | 4 | $72B |
|
||
| Energy Services | 3 | $60B |
|
||
| Utilities | 3 | $41B |
|
||
| Healthcare | 2 | $330B |
|
||
Price history
1 event — show timeline
- 2026-04-02 Listed $169,500 MCALLENMLS
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…