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Investor market data · Texas

Lubbock, TX Rental Market for Investors

An estimated 70% of Lubbock's active listings could cash-flow as a short-term rental — here's what the numbers say for investors, as of August 2026.

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$265,120Median list price1,464 active listings
$34,632Median STR revenue / yrprojected, gross

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 August 2026.

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As of August 2026, we analyzed 1,464 active for-sale homes in Lubbock, Texas. The typical listing is priced at $265,120 and is projected to generate about $34,632 a year as a short-term rental.

After setting aside an estimated 20% for operating costs, an estimated 70.0% of those homes could still cover an investor mortgage payment on short-term-rental income — well above the 52.5% median across the 200 major metros we track, ranking Lubbock #29 of 200 for cash-flow potential.

On market momentum: homes in Lubbock sit a median of 47 days on the market, and 34% 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: 511 of the 1,121 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.

Share of those listings clearing an DSCR of 1.25, by price and bedroom count. The smaller figure is the median DSCR for that group.
Price2 bed3 bed4 bed5 bed
Under $150k—100%1.83——
$150k–$250k94%1.4871%1.3790%1.56—
$250k–$350k—18%1.0733%1.18—
$350k–$500k—2%0.819%0.90—
$500k+—0%0.520%0.580%0.63

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 analyzed1,464
Median list price$265,120
Median projected STR revenue (annual, gross)$34,632
Median average daily rate (ADR)$189
Median occupancy50%
Median beds3
Median size1,895 sqft
Estimated cash-flow-positive share70.0%
Median days on market47 days
New listings (last 30 days)33.8% of active

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Run your numbers · Lubbock

Would a Lubbock rental qualify for a DSCR loan?

Pre-filled with Lubbock's median price and projected short-term-rental income — change any field to match a specific property.

Rent source
Advanced
Property tax
%
Scout DSCR Live
1.45
Strong · likely approved
Qualifying rent$2,309
Monthly ITIA$1,591
Loan amount$212,096
30-year DSCR1.35
30-year PITIA$1,707
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Estimates for educational purposes. Final terms subject to credit, property & program approval.

Chad BakerJulian HebronKarina SaldarriagaMark LindenBrittani Cooper5 senior bankers · 47 states
Lubbock data, human context

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