Real Estate Investing in Denison, Texas (75020)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 75020 (Denison, TX)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
- Elevated vacancy: 11.8% vacancy may signal weakening demand.
- 1-year downturn: Values declined 3.6% in the last year.
What’s happening in Denison, TX (75020)?
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Market Analysis: 75020 Denison
Not every below-median market is a bargain. Denison's 75020 ZIP shows signals that favor experienced operators who can absorb the risk $220K pricing implies.
For an experienced owner, 75020 can be a a strong candidate for hunting ground — but the discount at $220K reflects genuine risk that outside investors often underestimate.
ZIP 75020's metrics run below Grayson County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.
On the rental side, 24,185 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.
Strategy in 75020 is an operator game, not a passive one. Meanwhile, entry prices of $220K are inviting, the management lift is real and non-optional.
Here's what matters if you're considering buying a home in Denison:
Property Strategy for 75020
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $150,482 | $1,300 | 6.2% | +8.4% | $75,241 |
| 3BR | $236,257 | $1,810 | 5.5% | +7.6% | $78,752 |
| 4BR | $378,058 | $2,080 | 4.0% | +7.7% | $94,514 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 75020 Compare?
| Metric | 75020 | Denison | Sherman-Denison, TX | Texas |
|---|---|---|---|---|
| Home Value | $219,969 | $234,005 | N/A | $297,000 |
| 5-Year CAGR | 2.1% | 2.5% | N/A | 5.4% |
| Avg Rent | $1,412 | $1,477 | N/A | - |
| Cap Rate | 5.0% | 4.9% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 75020 (Denison, TX). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $219,969 |
| Monthly Rent | $1,412 |
| Price-to-Rent | 13.0:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 7.7% |
| Cap Rate | 5.0% |
| 5-Year IRR | 7.1% |
📈 Home Appreciation
| 1-Year | -3.6% ▼ |
| 3-Year CAGR | -2.0% ▼ |
| 5-Year CAGR | +2.1% ▲ |
| 10-Year CAGR | +7.1% ▲ |
🏠 Rent Trends
| 1-Year | -5.5% ▼ |
| 3-Year CAGR | -0.9% ▼ |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (5.0%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 75020
Population: 24,185
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 75020
Schools in This ZIP Code
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
🎓 Nearby Colleges & Universities
Investor Insight: With 1,277 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
How strong is Denison, TX for real estate investors?
Investors tracking Denison, TX will find a 3.0/5 rating supported by $220K median home values and $1,412/mo rents. That profile suits long-term holders targeting stable returns.
How much rent can I charge in Denison, TX?
Rental rates in Denison, TX average $1,412/mo. Tenant demand and $220K home values make the yield look reasonable by investor standards.
How tight is the rental market in Denison, TX?
Vacancy in Denison, TX is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $1,412/mo.
How viable is house hacking in Denison, TX?
Denison, TX offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $1,412/mo rent level.
What is the typical renter like in Denison, TX?
The renter base in Denison, TX is reasonable for the $1,412/mo price point. Screening well and pricing to market typically yields predictable tenants.
You know 75020 now. You don’t know where it ranks.
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How 75020 ranks in Sherman-Denison, TX
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