Real Estate Investing in Red Oak, Texas (75154)

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

Ellis County • Population: 50,178 • Data updated: September 2026

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Should you buy in 75154 (Red Oak, TX)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (73/100)

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 Red Oak, TX (75154)?

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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 $353,378
Avg Monthly Rent $2,155
1% Rule ✗ Does Not Meet
Median Income $95,035
% Renters 15.0%

Market Analysis: 75154 Red Oak

The 75154 ZIP in Red Oak, TX is a local-operator market. Outside capital chasing a $353K entry has to pair deep knowledge with the discount.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $353K asset, 75154 is the wrong submarket. If the plan prices in friction, the yield can still work.

Nearby ZIPs in Red Oak have seen price recovery that 75154 has not matched. Ellis County data supports the view that the spread is structural rather than temporary.

Resident income in 75154 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.

The right play in 75154 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.

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 Red Oak:

B Good
Buy Confidence Score: 72/100
Affordability
15/25
Appreciation
18/25
Stability
14/20
Timing
10/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.7× the median income
Value Trend
Stable (+0.7%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,155/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 75154

Which property type performs best in this market?

Best for Cash Flow
4BR
5.7% cap rate
Best for Appreciation
3BR
+6.9% 5yr CAGR
Best Overall Value
5BR
$89,661/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $239,815 $1,860 5.6% +5.9% $119,907
3BR $329,307 $2,340 5.1% +6.9% $109,769
4BR $374,426 $2,980 5.7% +6.2% $93,607
5BR $448,303 +5.8% $89,661

Market Trends

Home Value History (with trend line)

$386K$331K$277K$222K$167K$112KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$2,208$2,122$2,036$1,950$1,864$1,778Dec 2021Apr 2024Jul 2026

📊 How Does 75154 Compare?

Metric 75154 Red Oak Dallas-Fort Worth-Arlington, TX Texas
Home Value $353,378 $353,378 N/A $297,000
5-Year CAGR 3.3% 3.3% N/A 5.4%
Avg Rent $2,155 $2,155 N/A -
Cap Rate 4.8% 4.8% - -
💡 Why Invest in 75154? 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 75154 (Red Oak, TX). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.8%
Fair
5yr Growth
+3.3%
Moderate

📊 Market Snapshot

Home Value $353,378
Monthly Rent $2,155
Price-to-Rent 13.7:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 7.3%
Cap Rate 4.8%
5-Year IRR 8.1%

📈 Home Appreciation

1-Year +0.7% ▲
3-Year CAGR -0.3% ▼
5-Year CAGR +3.3% ▲
10-Year CAGR +6.4% ▲

🏠 Rent Trends

1-Year -0.5% ▼
3-Year CAGR +1.0% ▲
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.8%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.8%). 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
4.3%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+3.3%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 75154

Population: 50,178

💰 Median Household Income
$95,035
This area
$95,035
State
$70,593
USA
$74,580
🏠 Renter Occupied
15.0%
This area
15.0%
State
29.5%
USA
34.0%
💼 Unemployment Rate
3.9%
This area
3.9%
State
-25.4%
USA
3.7%
🎓 College Educated
29.1%
This area
29.1%
State
-5.8%
USA
33.7%
👤 Median Age
36.8 years
This area
36.8 years
State
-3.7 years
USA
38.9 years
🏚️ Vacancy Rate
4.3%
This area
4.3%
State
18.3%
USA
10.5%
👥 Population by Ethnicity
White 51.1%
Black/African American 30.9%
Other/Mixed 17.1%
Hispanic/Latino 13.5%
Asian 0.9%
👶 Under 18
26.4%
This area
26.4%
USA
22.0%
👴 65 and Over
11.4%
This area
11.4%
USA
17.3%
📊 Poverty Rate
7.4%
This area
7.4%
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 75154

B Avg School Grade
11 Schools
16.1:1 Avg Class Size
$12,393 Avg Per Pupil

Schools in This ZIP Code

A Very Good

DOLORES MCCLATCHEY EL

📚 Pre-K – 05 Elementary
👥
674 Students
👨‍🏫
15.6:1 Class Size
💰
$18,755 Per Student
B+ Above Average

RED OAK EL

📚 Pre-K – 05 Elementary
👥
523 Students
👨‍🏫
13.9:1 Class Size
💰
$11,489 Per Student
B+ Above Average

WOODEN EL

📚 Pre-K – 05 Elementary
👥
524 Students
👨‍🏫
13.7:1 Class Size
💰
$11,489 Per Student
B Good

CURTISTENE S MCCOWAN MIDDLE

📚 06 – 08 Middle
👥
670 Students
👨‍🏫
15.5:1 Class Size
💰
$13,420 Per Student
B Good

EASTRIDGE EL

📚 Pre-K – 05 Elementary
👥
536 Students
👨‍🏫
15.0:1 Class Size
💰
$11,489 Per Student
B Good

RUSSELL P SCHUPMANN EL

📚 Pre-K – 05 Elementary
👥
706 Students
👨‍🏫
15.0:1 Class Size
💰
$11,489 Per Student
B Good

SHIELDS EL

📚 Pre-K – 05 Elementary
👥
595 Students
👨‍🏫
15.6:1 Class Size
💰
$11,489 Per Student
B Good

FRANK D MOATES EL

📚 03 – 05 Elementary
👥
526 Students
👨‍🏫
18.2:1 Class Size
💰
$13,420 Per Student
C+ Average

RED OAK MIDDLE

📚 06 – 08 Middle
👥
1,540 Students
👨‍🏫
16.2:1 Class Size
💰
$11,489 Per Student
C+ Average

RED OAK H S

📚 08 – 12 High School
👥
2,163 Students
👨‍🏫
15.2:1 Class Size
💰
$11,489 Per Student
D Needs Improvement

LIFE SCHOOL RED OAK

📚 K – 06 School Charter
👥
1,040 Students
👨‍🏫
23.1:1 Class Size
💰
$10,308 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 1,769 Off-Campus Students
C
Southwestern Assemblies of God University
1,725 students · 8.6 mi
C+
University of North Texas at Dallas
3,797 students · 9.4 mi
C
Paul Quinn College
602 students · 11.2 mi

Investor Insight: With 1,769 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Is Red Oak, TX a good market for buy-and-hold investors?

The 3.0/5 investability rating in Red Oak, TX reflects its $353K prices and $2,155/mo rents. Investors generally consider it a solid option within TX.

Is TX a landlord-friendly state?

Red Oak, TX falls under TX landlord-tenant law, which is landlord-friendly. That backdrop makes day-to-day property management reasonable.

What are rental rates like in Red Oak, TX?

Expect rents around $2,155/mo per month in Red Oak, TX. With home values at $353K, the yield math works out to reasonable levels for rental investors.

What are vacancy rates like in Red Oak, TX?

Rental vacancy in Red Oak, TX is elevated. Investors should budget normal turnover but not chronic empty units.

How should investors approach Red Oak, TX?

The best-fit strategy in Red Oak, TX is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.

You know 75154 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 75154 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 75154 ranks in Dallas-Fort Worth-Arlington, TX

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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