Real Estate Investing in Ector, Texas (75439)

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

Fannin County • Population: 1,016 • Data updated: September 2026

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Should you buy in 75439 (Ector, TX)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (45/100)

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

📈 For Investors
WEAK
2.0 / 5 (33/100)

Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.

⚠️ Risks to Know
1 flag
  • Elevated vacancy: 9.4% vacancy may signal weakening demand.

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

What’s happening in Ector, TX (75439)?

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2.0/ 5

Investability

Overall investment appeal

0.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $258,148
Avg Monthly Rent $918
1% Rule ✗ Does Not Meet
Median Income $61,250
% Renters 41.8%

Market Analysis: 75439 Ector

The 75439 ZIP covers a section of Ector that demands careful diligence. Prices near $258K look accessible, but the work to make a deal cash flow is real.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $258K asset, 75439 is the wrong submarket. If the plan prices in friction, the yield can still work.

In the broader TX picture, 75439 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

Demographically, 75439 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.

Experienced landlords with local relationships tend to find 75439 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.

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 Ector:

C Below Average
Buy Confidence Score: 57/100
Affordability
15/25
Appreciation
14/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.2× the median income
Value Trend
Stable (+1.9%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $918/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
☀️
WARM MARKET
Bonham, TX Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
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 Bonham, TX metro data

Market Trends

Home Value History (with trend line)

$263K$257K$250K$243K$236K$229KFeb 2022May 2024Jul 2026

📊 How Does 75439 Compare?

Metric 75439 Ector Bonham, TX Texas
Home Value $258,148 $258,148 N/A $297,000
5-Year CAGR N/A N/A N/A 5.4%
Avg Rent $918 $918 N/A -
Cap Rate 2.8% 2.8% - -
💡 Why Invest in 75439? Click to expand

A healthy rental market with 42% renter-occupied households ensures tenant availability.

📊 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 75439 (Ector, TX). Anonymous, moderated, never written by AI.

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Investability
Fair
Cap Rate
2.8%
Low

📉 Market Crash Risk Index

Based on Bonham, TX metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
0%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $258,148
Monthly Rent $918
Price-to-Rent 23.4:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.3%
Cap Rate 2.8%
5-Year IRR 4.0%

📈 Home Appreciation

1-Year +1.9% ▲
3-Year CAGR +1.2% ▲
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
Negative Leverage — IRR / Tax Play Cap Rate: 2.8%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.8%). 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
9.4%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
N/A
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 75439

Population: 1,016

💰 Median Household Income
$61,250
This area
$61,250
State
$70,593
USA
$74,580
🏠 Renter Occupied
41.8%
This area
41.8%
State
29.5%
USA
34.0%
💼 Unemployment Rate
2.4%
This area
2.4%
State
-25.4%
USA
3.7%
🎓 College Educated
13.4%
This area
13.4%
State
-5.8%
USA
33.7%
👤 Median Age
35.0 years
This area
35.0 years
State
-3.7 years
USA
38.9 years
🏚️ Vacancy Rate
9.4%
This area
9.4%
State
18.3%
USA
10.5%
👥 Population by Ethnicity
White 83.3%
Other/Mixed 14.2%
Hispanic/Latino 4.7%
Black/African American 2.1%
Asian 0.4%
👶 Under 18
24.5%
This area
24.5%
USA
22.0%
👴 65 and Over
14.3%
This area
14.3%
USA
17.3%
📊 Poverty Rate
15.9%
This area
15.9%
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 75439

B+ Avg School Grade
2 Schools
11.9:1 Avg Class Size
$16,803 Avg Per Pupil

Schools in This ZIP Code

A Very Good

ECTOR H S

📚 07 – 12 High School
👥
117 Students
👨‍🏫
8.2:1 Class Size
💰
$16,803 Per Student
B Good

ECTOR EL

📚 Pre-K – 06 School
👥
135 Students
👨‍🏫
15.6:1 Class Size
💰
$16,803 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

Is Ector, TX a smart market for rental property?

The 2.0/5 investability rating in Ector, TX reflects its $258K prices and $918/mo rents. Investors generally consider it a solid option within TX.

What investment strategy works best in Ector, TX?

Most investors in Ector, TX run a careful cash-flow rentals with hands-on management strategy. It aligns with the 2.0/5 investability profile and the market fundamentals.

How much is rent in Ector, TX?

Ector, TX rentals go for roughly $918/mo a month. That puts gross yield in solid territory relative to $258K acquisition costs.

Is house hacking profitable in Ector, TX?

House hacking in Ector, TX is reasonable to execute. Prices around $258K and rents of $918/mo solid owner-occupant economics.

Is Ector, TX landlord-friendly?

TX law landlord-friendly for landlords, and Ector inherits those rules. Investors should still review local ordinances for rental licensing.

You know 75439 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 75439 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 75439 ranks in Bonham, TX

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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