408 Ruth St, Kerrville, TX 78028

3 bd · 2 ba · 1,248 sqft · built 1999 · Kerrville · SINGLE_FAMILY·source listing ↗

$169,000

rent, three ways

OnePercent model (vv1)$2,145/mo

p10–p90 confidence band

HUD Fair Market Rent · 78028 · 3BR

$1,490/mo

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

County

Kerr

Flood risk indexRelatively High FEMA NRI

Median household income$66,991

Median area rent$1,138/mo

Median home value$323,200

the verdict

1.27%vs 1.0% target

financing: 20% down · — (FRED, live) · 30yr

$169,000

1.27% · rent $2,145

Intrinsic value · income approach

$400,005

58% below intrinsic value

Value = net operating income ÷ market cap rate. Not investment advice.

Ten-year owner return

Equity multiple, per-year cash flow, and appreciation modeling are a Pro feature.