Real Estate Investing in Bailey, Texas (75413)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 75413 (Bailey, TX)? Our answer, based on the numbers below.
Multiple negative signals. Better options likely exist nearby.
Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.
- High vacancy: 19.3% of homes vacant — above national norms.
- Higher unemployment: 8.7% unemployment — tenant risk signal.
• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Bailey, TX (75413)?
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Market Analysis: 75413 Bailey
ZIP 75413 inside Fannin County looks affordable on the surface — median value of $204K — but the discount exists for reasons that a careful buyer should understand before committing.
The 75413 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
From an investor standpoint, 75413 offers a low basis, the region around Bailey has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.
The 75413 ZIP's population of 138 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that sits at the need for careful underwriting.
Strategically, 75413 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.
Here's what matters if you're considering buying a home in Bailey:
Market Trends
Home Value History (with trend line)
📊 How Does 75413 Compare?
| Metric | 75413 | Bailey | Bonham, TX | Texas |
|---|---|---|---|---|
| Home Value | $203,615 | $203,615 | N/A | $297,000 |
| 5-Year CAGR | N/A | N/A | N/A | 5.4% |
| Avg Rent | $999 | $999 | N/A | - |
| Cap Rate | 3.8% | 3.8% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 75413 (Bailey, TX). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $203,615 |
| Monthly Rent | $999 |
| Price-to-Rent | 17.0:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.9% |
| Cap Rate | 3.8% |
| 5-Year IRR | 5.5% |
📈 Home Appreciation
| 1-Year | +0.2% ▲ |
| 3-Year CAGR | +1.7% ▲ |
| 5-Year CAGR | N/A |
| 10-Year CAGR | N/A |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.8%). 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.
Demographics in 75413
Population: 138
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
Frequently Asked Questions
Should investors worry about vacancy in Bailey, TX?
Bailey, TX sees elevated vacancy, which is reasonable relative to the broader TX rental market.
What do rentals go for in Bailey, TX?
Average rent in Bailey, TX is approximately $999/mo per month. Against $204K home values that yields a reasonable rent-to-price ratio.
How do experienced investors play Bailey, TX?
Investors who focus on careful cash-flow rentals with hands-on management typically do well in Bailey, TX. The numbers - $204K homes against $999/mo rents - support that play.
Can owner-occupants cash flow in Bailey, TX?
Bailey, TX offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $999/mo rent level.
Is real estate in Bailey, TX a good investment right now?
Bailey, TX rates 2.0/5 for investability. With median values at $204K and rents near $999/mo, the market offers reasonable fundamentals for rental investors.
You know 75413 now. You don’t know where it ranks.
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How 75413 ranks in Bonham, TX
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