Montgomery, TX Rental Market for Investors
An estimated 38% of Montgomery'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 Montgomery that pencil right now
A sample of active Montgomery 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.
$149,999DSCR 1.623 bed · 2 bath · 1,040 sqft
- STR revenue
- $27,675/yr
- Est. interest-only payment
- $1,141/mo
On the market 86 days · Listed by Mainstay Brokerage LLC
Scout this home & market: 3-bed house in Montgomery
$169,000DSCR 1.803 bed · 2 bath · 1,000 sqft
- STR revenue
- $29,141/yr
- Est. interest-only payment
- $1,077/mo
On the market 6 days · Listed by Exp Realty LLC
Scout this home & market: 3-bed house in Montgomery
$175,000DSCR 1.493 bed · 2 bath · 1,014 sqft
- STR revenue
- $28,582/yr
- Est. interest-only payment
- $1,278/mo
On the market 13 days · Listed by Ignite Real Estate Group
Scout this home & market: 3-bed house in Montgomery
$179,000DSCR 1.683 bed · 2 bath · 1,080 sqft
- STR revenue
- $28,878/yr
- Est. interest-only payment
- $1,146/mo
On the market 6 days · Listed by Exp Realty LLC
Scout this home & market: 3-bed house in Montgomery
$184,900DSCR 1.382 bed · 2 bath · 1,147 sqft
- STR revenue
- $25,049/yr
- Est. interest-only payment
- $1,210/mo
On the market 129 days · Listed by Keller Williams HoustonCentral
Scout this home & market: 2-bed condo in Montgomery
$184,900DSCR 1.382 bed · 2 bath · 1,147 sqft
- STR revenue
- $25,049/yr
- Est. interest-only payment
- $1,210/mo
On the market 129 days · Listed by Keller Williams HoustonCentral
Scout this home & market: 2-bed condo in Montgomery
$195,000DSCR 1.333 bed · 2 bath · 1,176 sqft
- STR revenue
- $27,752/yr
- Est. interest-only payment
- $1,391/mo
On the market 143 days · Listed by Executive Real Estate
Scout this home & market: 3-bed house in Montgomery
$199,900DSCR 1.263 bed · 3 bath · 1,210 sqft
- STR revenue
- $27,170/yr
- Est. interest-only payment
- $1,441/mo
On the market 215 days · Listed by JLA Realty
Scout this home & market: 3-bed house in Montgomery
$219,000DSCR 1.253 bed · 2.5 bath · 1,352 sqft
- STR revenue
- $30,881/yr
- Est. interest-only payment
- $1,641/mo
On the market 9 days · Listed by Executive Real Estate
Scout this home & market: 3-bed house in Montgomery
As of August 2026, we analyzed 1,367 active for-sale homes in Montgomery, Texas. The typical listing is priced at $448,000 and is projected to generate about $40,270 a year as a short-term rental.
After setting aside an estimated 20% for operating costs, an estimated 37.9% 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 Montgomery #145 of 200 for cash-flow potential.
On market momentum: homes in Montgomery sit a median of 60 days on the market, and 27% 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 — Montgomery 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 Montgomery
Montgomery works for investors, but the window is specific: 152 of the 737 Montgomery homes, condos and townhomes we can price confidently clear a DSCR of 1.25. Nine in ten of them are priced under $310,000.
| Price | 1 bed | 2 bed | 3 bed | 4 bed | 5 bed |
|---|---|---|---|---|---|
| $150k–$250k | 0%0.96 | 24%0.98 | 77%1.46 | 72%1.30 | — |
| $250k–$350k | — | 0%0.70 | 33%1.13 | 40%1.21 | — |
| $350k–$500k | — | 0%0.56 | 0%0.77 | 7%0.83 | 15%1.00 |
| $500k+ | — | — | 0%0.48 | 0%0.53 | 0%0.66 |
Darker means a larger share of that group cash-flows. “—” means fewer than 8 active listings — too few to draw a conclusion from.
Montgomery in full
| Active for-sale homes analyzed | 1,367 |
|---|---|
| Median list price | $448,000 |
| Median projected STR revenue (annual, gross) | $40,270 |
| Median average daily rate (ADR) | $244 |
| Median occupancy | 45% |
| Median beds | 4 |
| Median size | 2,513 sqft |
| Estimated cash-flow-positive share | 37.9% |
| Median days on market | 60 days |
| New listings (last 30 days) | 26.9% of active |
As a user of this system, you agree to all Scout Terms & Conditions and Home & Mortgage Conditions.
Would a Montgomery rental qualify for a DSCR loan?
Pre-filled with Montgomery's median price and projected short-term-rental income — change any field to match a specific property.
Advanced
On a 5-minute call with you, we can use Scout to run real numbers on real properties.
Estimates for educational purposes. Final terms subject to credit, property & program approval.
5 senior bankers · 47 statesPressure-test the market before you trust the median.
We’ll help you compare the market-level signal with the exact property, local costs, rental rules, and financing structure.
Thinking about an investment property in Montgomery?
Send the address or your target buy box. We’ll run the property with today’s assumptions.
Prefer to talk now? Call or text Chad: 858-353-8331.