Celina, TX Rental Market for Investors
An estimated 34% of Celina's active listings could cash-flow as a short-term rental — here's what the numbers say for investors, as of August 2026.
Homes in Celina that pencil right now
A sample of active Celina listings whose DSCR clears 1.25 using short-term rental income projections we accept as a direct lender. These are spread across the price range, not ranked, and current as of August 2026.
$269,000DSCR 1.293 bed · 3 bath · 1,500 sqft
- STR revenue
- $39,158/yr
- Est. interest-only payment
- $2,029/mo
On the market 59 days · Listed by Texas Premier Realty
Scout this home & market: 3-bed house in Celina
$279,000DSCR 1.382 bed · 2.5 bath · 1,237 sqft
- STR revenue
- $37,674/yr
- Est. interest-only payment
- $1,820/mo
On the market 193 days · Listed by Exp Realty
Scout this home & market: 2-bed house in Celina
$324,990DSCR 1.413 bed · 2.5 bath · 1,985 sqft
- STR revenue
- $45,379/yr
- Est. interest-only payment
- $2,146/mo
On the market 144 days · Listed by William Roberds
Scout this home & market: 3-bed house in Celina
As of August 2026, we analyzed 1,271 active for-sale homes in Celina, Texas. The typical listing is priced at $570,000 and is projected to generate about $55,613 a year as a short-term rental.
After setting aside an estimated 20% for operating costs, an estimated 34.1% of those homes could still cover an investor mortgage payment on short-term-rental income — below the 52.5% median across the 200 major metros we track, ranking Celina #159 of 200 for cash-flow potential.
On market momentum: homes in Celina sit a median of 87 days on the market, and 18% of active listings came on in just the last 30 days — a slower-moving market, which shapes how much room there is to negotiate.
For a DSCR loan — which qualifies on the property's rental income rather than your personal income — Celina runs tighter once operating costs are accounted for: many listings need a below-median price, a stronger short-term-rental setup, or more money down before the income covers the payment. It's a market where running the numbers property-by-property matters.
What actually works in Celina
Cash-flow is the exception rather than the rule in Celina right now: 141 of the 1,174 Celina homes, condos and townhomes we can price confidently clear a DSCR of 1.25. Nine in ten of them are priced under $560,000.
| Price | 2 bed | 3 bed | 4 bed | 5 bed |
|---|---|---|---|---|
| $250k–$350k | — | 65%1.35 | 84%1.38 | — |
| $350k–$500k | 0%1.13 | 3%0.95 | 21%1.02 | 55%1.30 |
| $500k+ | — | 0%0.64 | 2%0.79 | 5%0.79 |
Darker means a larger share of that group cash-flows. “—” means fewer than 8 active listings — too few to draw a conclusion from.
Celina in full
| Active for-sale homes analyzed | 1,271 |
|---|---|
| Median list price | $570,000 |
| Median projected STR revenue (annual, gross) | $55,613 |
| Median average daily rate (ADR) | $269 |
| Median occupancy | 58% |
| Median beds | 4 |
| Median size | 2,863 sqft |
| Estimated cash-flow-positive share | 34.1% |
| Median days on market | 87 days |
| New listings (last 30 days) | 18.4% of active |
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Estimates for educational purposes. Final terms subject to credit, property & program approval.
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