Real Estate Investing in Murphy, Texas (75094)

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

Collin County • Population: 23,669 • Data updated: September 2026

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Should you buy in 75094 (Murphy, TX)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (80/100)

Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.

📈 For Investors
MIXED
3.0 / 5 (52/100)

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
CLEAN

No major risk flags on the data we track.

What’s happening in Murphy, TX (75094)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $571,901
Avg Monthly Rent $3,047
1% Rule ✗ Does Not Meet
Median Income $152,461
% Renters 8.9%

Market Analysis: 75094 Murphy

ZIP 75094 in Murphy, TX carries a durable set of headwinds. Home values near $572K and rents of $3,047/mo sit inside a market where underwriting has to be tight.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $572K asset, 75094 is the wrong submarket. If the plan prices in friction, the yield can still work.

Regionally, 75094 sits on the difficult end of the TX spectrum. The a solid fit for read — for disciplined operators — is that pricing reflects the difficulty.

The demographic picture in 75094 includes headwinds that any investor should price in. Income distribution skews lower than Murphy averages, and tenant stability requires active management.

Distressed ZIPs reward experience. notable returns are possible in 75094, but they flow to investors who already understand how to operate in soft markets.

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 Murphy:

B Good
Buy Confidence Score: 71/100
Affordability
15/25
Appreciation
18/25
Stability
13/20
Timing
10/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.8× the median income
Value Trend
Declining (-1.6%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $3,047/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
Dallas-Fort Worth-Arlington, TX Metro Area
More inventory, negotiating room for buyers
63 days
Average time to sell
Slow
11.2%
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 Dallas-Fort Worth-Arlington, TX metro data
🏠

Property Strategy for 75094

Which property type performs best in this market?

Best for Cash Flow
4BR
6.0% cap rate
Best for Appreciation
5BR
+8.6% 5yr CAGR
Best Overall Value
5BR
$135,983/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
3BR $443,930 $3,650 5.9% +6.9% $147,977
4BR $560,060 $4,640 6.0% +7.9% $140,015
5BR $679,915 +8.6% $135,983

Market Trends

Home Value History (with trend line)

$639K$554K$469K$385K$300K$215KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$3,370$3,257$3,145$3,033$2,920$2,808Mar 2026May 2026Jul 2026

📊 How Does 75094 Compare?

Metric 75094 Murphy Dallas-Fort Worth-Arlington, TX Texas
Home Value $571,901 $571,901 N/A $297,000
5-Year CAGR 4.1% 4.1% N/A 5.4%
Avg Rent $3,047 $3,047 N/A -
Cap Rate 4.2% 4.2% - -
💡 Why Invest in 75094? 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 75094 (Murphy, TX). Anonymous, moderated, never written by AI.

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Property managers serving Collin County

Manage rentals here? List your business →

North Texas Property Management offers residential property management services for rental properties and single-family homes in Plano, McKinney, and Allen. summary from their website

Single-family
Unclaimed — is this your business? Claim it free

Park One Properties provides property management services and leasing. summary from their website

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Plano Property Management offers property management services in Plano. summary from their website

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Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.

Investability
Good
Cap Rate
4.2%
Fair
5yr Growth
+4.1%
Moderate

📊 Market Snapshot

Home Value $571,901
Monthly Rent $3,047
Price-to-Rent 15.6:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.4%
Cap Rate 4.2%
5-Year IRR 8.2%

📈 Home Appreciation

1-Year -1.6% ▼
3-Year CAGR -1.1% ▼
5-Year CAGR +4.1% ▲
10-Year CAGR +5.1% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.2%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.2%). 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
0.9%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+4.1%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 75094

Population: 23,669

💰 Median Household Income
$152,461
This area
$152,461
State
$70,593
USA
$74,580
🏠 Renter Occupied
8.9%
This area
8.9%
State
29.5%
USA
34.0%
💼 Unemployment Rate
3.2%
This area
3.2%
State
-25.4%
USA
3.7%
🎓 College Educated
53.8%
This area
53.8%
State
-5.8%
USA
33.7%
👤 Median Age
39.5 years
This area
39.5 years
State
-3.7 years
USA
38.9 years
🏚️ Vacancy Rate
0.9%
This area
0.9%
State
18.3%
USA
10.5%
👥 Population by Ethnicity
White 47.4%
Asian 37.9%
Black/African American 9.2%
Other/Mixed 5.4%
Hispanic/Latino 2.3%
👶 Under 18
32.7%
This area
32.7%
USA
22.0%
👴 65 and Over
10.3%
This area
10.3%
USA
17.3%
📊 Poverty Rate
2.8%
This area
2.8%
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 75094

B+ Avg School Grade
4 Schools
15.1:1 Avg Class Size
$16,882 Avg Per Pupil

Schools in This ZIP Code

A Very Good

BOGGESS EL

📚 Pre-K – 05 Elementary
👥
480 Students
👨‍🏫
13.6:1 Class Size
💰
$16,882 Per Student
A Very Good

HUNT EL

📚 K – 05 Elementary
👥
518 Students
👨‍🏫
14.1:1 Class Size
💰
$16,882 Per Student
B+ Above Average

MURPHY MIDDLE

📚 06 – 08 Middle
👥
925 Students
👨‍🏫
16.1:1 Class Size
💰
$16,882 Per Student
B Good

MCMILLEN H S

📚 09 – 10 High School
👥
1,100 Students
👨‍🏫
16.6:1 Class Size
💰
$16,882 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

8 Nearby 10,663 Off-Campus Students
C
Graduate America College
72 students · 5.3 mi
C
West Coast University-Dallas
1,615 students · 6.4 mi
C+
ABC Beauty Academy
65 students · 7.3 mi
D
Galen Health Institutes-Dallas
554 students · 8.0 mi
B
The University of Texas at Dallas
30,885 students · 8.2 mi
D
The Chicago School at Dallas
198 students · 8.7 mi
D
The Chicago School-College of Nursing
2 students · 8.7 mi
C+
Collin County Community College District
37,772 students · 10.0 mi

Investor Insight: With 10,663 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What is the investability score for Murphy, TX?

Murphy, TX rates 3.0/5 for investability. With median values at $572K and rents near $3,047/mo, the market offers reasonable fundamentals for rental investors.

What are rental rates like in Murphy, TX?

Expect rents around $3,047/mo per month in Murphy, TX. With home values at $572K, the yield math works out to reasonable levels for rental investors.

Is vacancy a concern in Murphy, TX?

Vacancy in Murphy, TX is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $3,047/mo.

Which real estate strategy fits Murphy, TX?

Most investors in Murphy, TX run a careful cash-flow rentals with hands-on management strategy. It aligns with the 3.0/5 investability profile and the market fundamentals.

How expensive is real estate in Murphy, TX?

Typical homes in Murphy, TX go for around $572K. The 5-year CAGR of 0.0% consistent price movement.

You know 75094 now. You don’t know where it ranks.

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How 75094 ranks in Dallas-Fort Worth-Arlington, TX

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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