Real Estate Investing in Pottsboro, Texas (75076)

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

Grayson County • Population: 7,907 • Data updated: September 2026

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Should you buy in 75076 (Pottsboro, TX)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (52/100)

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
1 flag
  • High vacancy: 23.0% of homes vacant — above national norms.

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

What’s happening in Pottsboro, TX (75076)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $342,661
Avg Monthly Rent $1,485
1% Rule ✗ Does Not Meet
Median Income $71,910
% Renters 20.8%

Market Analysis: 75076 Pottsboro

Not every below-median market is a bargain. Pottsboro's 75076 ZIP posts signals that favor experienced operators who can absorb the risk $343K pricing implies.

Looking more closely, the numbers look inviting — $343K purchase price, 0.0% nominal cap — the work to hit that pro forma in 75076 is substantial and deserves full respect.

In the broader TX picture, 75076 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

Employment concentration in 75076 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.

trends toward 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 Pottsboro:

C+ Average
Buy Confidence Score: 62/100
Affordability
10/25
Appreciation
18/25
Stability
9/20
Timing
10/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.8× the median income
Value Trend
Stable (+1.3%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,485/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
🏠

Property Strategy for 75076

Which property type performs best in this market?

Best for Cash Flow
2BR
5.2% cap rate
Best for Appreciation
2BR
+9.3% 5yr CAGR
Best Overall Value
2BR
$114,939/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $229,879 $1,650 5.2% +9.3% $114,939
3BR $349,538 $2,290 4.7% +8.5% $116,513
4BR $499,266 $2,630 3.8% +8.8% $124,816

Market Trends

Home Value History (with trend line)

$366K$317K$268K$219K$170K$121KJan 2012May 2019Jul 2026

📊 How Does 75076 Compare?

Metric 75076 Pottsboro Sherman-Denison, TX Texas
Home Value $342,661 $342,661 N/A $297,000
5-Year CAGR 4.4% 4.4% N/A 5.4%
Avg Rent $1,485 $1,485 N/A -
Cap Rate 3.4% 3.4% - -
💡 Why Invest in 75076? 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 →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 75076 (Pottsboro, TX). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.4%
Low
5yr Growth
+4.4%
Moderate

📊 Market Snapshot

Home Value $342,661
Monthly Rent $1,485
Price-to-Rent 19.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.2%
Cap Rate 3.4%
5-Year IRR 7.7%

📈 Home Appreciation

1-Year +1.3% ▲
3-Year CAGR +0.2% ▲
5-Year CAGR +4.4% ▲
10-Year CAGR +7.0% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.4%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.4%). 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
23.0%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+4.4%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 75076

Population: 7,907

💰 Median Household Income
$71,910
This area
$71,910
State
$70,593
USA
$74,580
🏠 Renter Occupied
20.8%
This area
20.8%
State
29.5%
USA
34.0%
💼 Unemployment Rate
3.4%
This area
3.4%
State
-25.4%
USA
3.7%
🎓 College Educated
19.6%
This area
19.6%
State
-5.8%
USA
33.7%
👤 Median Age
47.3 years
This area
47.3 years
State
-3.7 years
USA
38.9 years
🏚️ Vacancy Rate
23.0%
This area
23.0%
State
18.3%
USA
10.5%
👥 Population by Ethnicity
White 89.4%
Other/Mixed 9.6%
Hispanic/Latino 2.0%
Asian 1.0%
👶 Under 18
18.1%
This area
18.1%
USA
22.0%
👴 65 and Over
19.6%
This area
19.6%
USA
17.3%
📊 Poverty Rate
3.5%
This area
3.5%
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 75076

B+ Avg School Grade
3 Schools
14.3:1 Avg Class Size
$12,046 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

POTTSBORO EL

📚 Pre-K – 04 Elementary
👥
539 Students
👨‍🏫
14.4:1 Class Size
💰
$12,046 Per Student
B+ Above Average

POTTSBORO H S

📚 09 – 12 High School
👥
462 Students
👨‍🏫
13.9:1 Class Size
💰
$12,046 Per Student
B+ Above Average

POTTSBORO MIDDLE

📚 05 – 08 School
👥
440 Students
👨‍🏫
14.7:1 Class Size
💰
$12,046 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.

🎓 Nearby Colleges & Universities

3 Nearby 1,277 Off-Campus Students
C
Grayson College
4,176 students · 7.9 mi
C
Diamonds College
36 students · 10.7 mi
C+
Austin College
1,136 students · 12.5 mi

Investor Insight: With 1,277 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Are renters plentiful in Pottsboro, TX?

The tenant pool in Pottsboro, TX is solid, supported by local employment and population fundamentals. Rents of $1,485/mo are well-absorbed by the market.

What does house hacking look like in Pottsboro, TX?

House hacking in Pottsboro, TX is reasonable to execute. Prices around $343K and rents of $1,485/mo solid owner-occupant economics.

How strict are landlord regulations in Pottsboro, TX?

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

What is the typical rental rate in Pottsboro, TX?

Expect rents around $1,485/mo per month in Pottsboro, TX. With home values at $343K, the yield math works out to reasonable levels for rental investors.

How much does a house cost in Pottsboro, TX?

Median home price in Pottsboro, TX is near $343K, with a 5-year CAGR of 0.0%. Prices have been even-keeled and supportive of buy-and-hold strategies.

You know 75076 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 75076 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 75076 ranks in Sherman-Denison, TX

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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