Lubbock, TX Rental Market for Investors
An estimated 72% of Lubbock's active listings could cash-flow as a short-term rental — here's what the numbers say for investors, as of October 2026.
Homes in Lubbock that pencil right now
A sample of active Lubbock 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 October 2026.
$170,000DSCR 1.763 bed · 1 bath · 1,438 sqft
- STR revenue
- $33,006/yr
- Est. interest-only payment
- $1,252/mo
On the market 173 days · Listed by Halley Road Real Estate
Scout this home & market: 3-bed house in Lubbock
$195,000DSCR 1.483 bed · 2 bath · 1,262 sqft
- STR revenue
- $31,943/yr
- Est. interest-only payment
- $1,434/mo
On the market 67 days · Listed by Better Homes and Gardens Real Estate Blu Realty
Scout this home & market: 3-bed house in Lubbock
$272,000DSCR 1.383 bed · 2.5 bath · 2,018 sqft
- STR revenue
- $43,363/yr
- Est. interest-only payment
- $2,092/mo
On the market 67 days · Listed by Avenue Real Estate
Scout this home & market: 3-bed house in Lubbock
As of October 2026, we analyzed 1,476 active for-sale homes in Lubbock, Texas. The typical listing is priced at $258,035 and is projected to generate about $35,396 a year as a short-term rental.
After setting aside an estimated 20% for operating costs, an estimated 72.2% of those homes could still cover an investor mortgage payment on short-term-rental income — well above the 53.1% median across the 200 major metros we track, ranking Lubbock #22 of 200 for cash-flow potential.
On market momentum: homes in Lubbock sit a median of 56 days on the market, and 30% of active listings came on in just the last 30 days — a steadily paced 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 — that's a relatively healthy setup: in Lubbock, a meaningful share of listings throw off enough short-term-rental income, after costs, to cover an estimated investor mortgage payment.
What actually works in Lubbock
Lubbock is a broad cash-flow market right now: 618 of the 1,186 Lubbock homes, condos and townhomes we can price confidently clear a DSCR of 1.25. Nine in ten of them are priced under $269,000.
| Price | 2 bed | 3 bed | 4 bed |
|---|---|---|---|
| Under $150k | — | 100%1.90 | — |
| $150k–$250k | 94%1.54 | 77%1.41 | 90%1.54 |
| $250k–$350k | — | 27%1.09 | 39%1.20 |
| $350k–$500k | — | 0%0.83 | 11%0.92 |
| $500k+ | — | 0%0.55 | 0%0.58 |
Darker means a larger share of that group cash-flows. “—” means fewer than 8 active listings — too few to draw a conclusion from.
Lubbock in full
| Active for-sale homes analyzed | 1,476 |
|---|---|
| Median list price | $258,035 |
| Median projected STR revenue (annual, gross) | $35,396 |
| Median average daily rate (ADR) | $186 |
| Median occupancy | 51% |
| Median beds | 3 |
| Median size | 1,867 sqft |
| Estimated cash-flow-positive share | 72.2% |
| Median days on market | 56 days |
| New listings (last 30 days) | 30.1% of active |
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Estimates for educational purposes. Final terms subject to credit, property & program approval.
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