Real Estate Investing in Stephenville, Texas

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

2 ZIP codes • Population: 31,642 • Erath County

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Should you buy in Stephenville, TX? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (78/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • High vacancy: 12.0% of homes vacant — above national norms.

What’s happening in Stephenville, TX?

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3.0/ 5

Investability

Citywide average

3.0/ 5

Appreciation

6.2% 5yr CAGR

5.0/ 5

Landlord Climate

Regulatory friendliness

🏦 30-yr Fixed Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS
Avg Investability
Avg Home Value $163,509
Avg Monthly Rent $899
ZIP Codes 2

Investing in Stephenville Real Estate

With a sizable population across 2 ZIPs, Stephenville shows the kind of lackluster fundamentals that keep most out-of-state capital on the sidelines.

Stephenville is the kind of market where the cap rate on paper and the cap rate realized tend to diverge. decisively out-of-state investors should be especially careful with the assumptions they carry in.

Rent trends and price trends in Stephenville are both soft, which is the uncomfortable combination that defines distressed-leaning markets in Texas.

Population dynamics in Stephenville haven't been supportive. a challenging fit for combined with thin income growth, the demographic backdrop complicates any purely financial underwriting.

A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Best ZIP codes in Stephenville, TX

Stephenville is part of this metro. Every ZIP in it, ranked. Free.

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Landlord Ground Truth

Real numbers from people who own or manage rentals in Stephenville, TX. Anonymous, moderated, never written by AI.

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Avg Home Value
$163,509
Avg Monthly Rent
$899
1% Rule
✗ Below
Landlord Friendly (TX)

📉 Market Crash Risk Index

Based on Stephenville, TX metro

2/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
2/3
65%
Days Pending
0/2
0 days

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☀️ Warm Market — Stephenville, TX metro
0
Days to pending
6.9%
Listings with price cuts
0.0%
Sale-to-list ratio
📅 Data as of August 29, 2026 — updated weekly

🎓 Colleges & Universities in Stephenville

1 College 15,937 Students
C+
Tarleton State University
4-Year Public · 15,937 students

ZIP Codes in Stephenville, TX

Screen every ZIP in Stephenville

Filter Stephenville’s ZIPs by cap rate, vacancy, appreciation and 30+ more criteria, and export your shortlist to CSV — with the Investor plan ($19/mo).

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Frequently Asked Questions About Stephenville, TX

What is the typical vacancy rate in Stephenville, TX?

Stephenville, TX vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.

Is Stephenville, TX a good place for real estate investing?

Yes - Stephenville, TX a 3.0/5 investability score. With $164K home prices against $899/mo monthly rent, the market delivers a reasonable entry point for new investors.

Is housing expensive in Stephenville, TX?

Stephenville, TX home values average about $164K. That price point suits investors targeting rentals with $899/mo in monthly income.

Are eviction rules reasonable in Stephenville, TX?

For rental operators, Stephenville, TX rates as landlord-friendly. The regulatory environment standard buy-and-hold operations.

What is the typical renter like in Stephenville, TX?

Tenant quality in Stephenville, TX ranks as solid. Landlords generally report even-keeled occupancy at market rents of $899/mo.

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