Real Estate Investing in Gunter, Texas (75058)

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

Grayson County • Population: 3,614 • Data updated: September 2026

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Should you buy in 75058 (Gunter, TX)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (48/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 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
2 flags
  • High vacancy: 12.2% of homes vacant — above national norms.
  • High price-to-rent: Price-to-rent ratio 35.8 — hard to cash-flow at these prices.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Gunter, TX (75058)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $664,714
Avg Monthly Rent $1,548
1% Rule ✗ Does Not Meet
Median Income $113,194
% Renters 16.8%

Market Analysis: 75058 Gunter

On the rental side, ZIP 75058 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $665K median. It rewards specialists, not generalists.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $665K asset, 75058 is the wrong submarket. If the plan prices in friction, the yield can still work.

Regionally, 75058 sits on the difficult end of the TX spectrum. The a credible choice for read — for disciplined operators — is that pricing reflects the difficulty.

The 75058 ZIP's population of 3,614 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that reports the need for careful underwriting.

leans the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Gunter:

C+ Average
Buy Confidence Score: 64/100
Affordability
10/25
Appreciation
22/25
Stability
7/20
Timing
10/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.9× the median income
Value Trend
Declining (-2.2%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,548/mo if you need to move
Market Conditions
COOL
More inventory, negotiating room for buyers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
❄️
COOL MARKET
Sherman-Denison, TX Metro Area
More inventory, negotiating room for buyers
97 days
Average time to sell
Slow
8.9%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Sherman-Denison, TX metro data

Market Trends

Home Value History (with trend line)

$720K$612K$503K$394K$285K$177KJan 2012May 2019Jul 2026

📊 How Does 75058 Compare?

Metric 75058 Gunter Sherman-Denison, TX Texas
Home Value $664,714 $664,714 N/A $297,000
5-Year CAGR 5.9% 5.9% N/A 5.4%
Avg Rent $1,548 $1,548 N/A -
Cap Rate 1.8% 1.8% - -
💡 Why Invest in 75058? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 75058 (Gunter, TX). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
1.8%
Low
5yr Growth
+5.9%
Moderate

📊 Market Snapshot

Home Value $664,714
Monthly Rent $1,548
Price-to-Rent 35.8:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 2.8%
Cap Rate 1.8%
5-Year IRR 7.7%

📈 Home Appreciation

1-Year -2.2% ▼
3-Year CAGR +1.3% ▲
5-Year CAGR +5.9% ▲
10-Year CAGR +8.5% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 1.8%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (1.8%). 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.

Vacancy
12.2%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.9%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 75058

Population: 3,614

💰 Median Household Income
$113,194
This area
$113,194
State
$70,593
USA
$74,580
🏠 Renter Occupied
16.8%
This area
16.8%
State
29.5%
USA
34.0%
💼 Unemployment Rate
2.2%
This area
2.2%
State
-25.4%
USA
3.7%
🎓 College Educated
43.2%
This area
43.2%
State
-5.8%
USA
33.7%
👤 Median Age
34.7 years
This area
34.7 years
State
-3.7 years
USA
38.9 years
🏚️ Vacancy Rate
12.2%
This area
12.2%
State
18.3%
USA
10.5%
👥 Population by Ethnicity
White 79.8%
Other/Mixed 18.8%
Hispanic/Latino 14.5%
Black/African American 1.1%
Asian 0.2%
👶 Under 18
29.4%
This area
29.4%
USA
22.0%
👴 65 and Over
9.0%
This area
9.0%
USA
17.3%
📊 Poverty Rate
3.9%
This area
3.9%
USA
11.5%

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 75058

B+ Avg School Grade
5 Schools
14.6:1 Avg Class Size
$17,488 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

GUNTER H S

📚 09 – 12 High School
👥
363 Students
👨‍🏫
10.9:1 Class Size
💰
$19,726 Per Student
A+ Excellent

GUNTER EL

📚 Pre-K – 04 Elementary
👥
408 Students
👨‍🏫
14.0:1 Class Size
💰
$19,726 Per Student
A Very Good

GUNTER MIDDLE

📚 05 – 08 School
👥
369 Students
👨‍🏫
15.6:1 Class Size
💰
$19,726 Per Student
C+ Average

FOUNDERS CLASSICAL ACADEMY OF PROSPER

📚 K – 10 High School Charter
👥
882 Students
👨‍🏫
18.0:1 Class Size
💰
$8,534 Per Student
C+ Average

GRAYSON COUNTY SPECIAL EDUCATION SSA

📚 Pre-K – 12 K-12 Limited Data
💰
$19,726 Per Student
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.

Frequently Asked Questions

How quickly do rentals get leased in Gunter, TX?

Gunter, TX carries elevated vacancy risk. Expect reliable absorption at market rents of $1,548/mo.

How strong is tenant demand in Gunter, TX?

Gunter, TX draws a even-keeled base of working renters. Demand at the $1,548/mo rent level is reasonable for standard single-family and small multi rentals.

What is the average monthly rent in Gunter, TX?

Rent in Gunter, TX is around $1,548/mo. The resulting rent-to-value relationship with $665K pricing is reasonable for most investor models.

What is the best play in Gunter, TX?

Gunter, TX investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($665K prices, $1,548/mo rents) make it a reasonable choice.

Is real estate in Gunter, TX a good investment right now?

Gunter, TX scores 3.0/5 for investability. Home values sit at $665K and rents near $1,548/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.

You know 75058 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 75058 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 75058 ranks in Sherman-Denison, TX

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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