Galveston, TX Rental Investment Market: DSCR & STR Numbers (July 2026)

The Read

What the numbers say about investing in Galveston

Galveston, TX's short-term-rental math is solid: a $221 ADR at 51% occupancy generates roughly $3,428 a month gross on a $355,000 median purchase — an 11.6% gross yield. That's healthy STR territory, with enough revenue to carry financing and operating costs if you buy and furnish sensibly.

On financing: STR-friendly DSCR lenders will qualify a Galveston purchase on projected short-term-rental income (typically via an AirDNA-style projection or 12 months of actuals) rather than lease rent. Using the market's RevPAR of $113 and an indicative STR loan rate, the median deal pencils to roughly a 1.38 DSCR at 20% down — comfortable coverage by STR underwriting standards. Remember most lenders haircut projected STR income, so your underwritten number will be lower than the gross.

Regulation risk in Galveston currently grades low on our board — no permit caps or moratorium fights threatening the model as of this data refresh. That's a real underwriting advantage: lenders and insurers price STR risk too, and a stable regulatory backdrop keeps the projected-income financing path open. Still verify permits, zoning, and HOA covenants at the specific address before you offer; rules are hyper-local and change faster than monthly data.

Data as of July 2026 — refreshed monthly. Metro-level estimates for screening, not underwriting.

Galveston investor FAQ