Real Estate Investing in Cooper, Texas (75432)

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

Delta County • Population: 3,299 • Data updated: September 2026

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Should you buy in 75432 (Cooper, TX)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (68/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 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: 17.1% 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 Cooper, TX (75432)?

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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 $179,141
Avg Monthly Rent $882
1% Rule ✗ Does Not Meet
Median Income $64,286
% Renters 28.3%

Market Analysis: 75432 Cooper

Stepping back, ZIP 75432 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $179K median. It rewards specialists, not generalists.

For an experienced owner, 75432 can be a a viable market for hunting ground — but the discount at $179K reflects genuine risk that outside investors often underestimate.

Within TX, ZIP 75432 trails on several market indicators that neighboring Delta County submarkets outperform. The gap is real and resilient enough to shape underwriting.

Who lives in 75432 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

seems to 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 Cooper:

C+ Average
Buy Confidence Score: 68/100
Affordability
20/25
Appreciation
18/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.8× the median income
Value Trend
Declining (-1.2%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $882/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.

Market Trends

Home Value History (with trend line)

$193K$166K$139K$113K$86K$59KDec 2011Apr 2019Jul 2026

📊 How Does 75432 Compare?

Metric 75432 Cooper Texas
Home Value $179,141 $179,141 $297,000
5-Year CAGR 4.3% 4.3% 5.4%
Avg Rent $882 $882 -
Cap Rate 3.8% 3.8% -
💡 Why Invest in 75432? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 75432 (Cooper, TX). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.8%
Low
5yr Growth
+4.3%
Moderate

📊 Market Snapshot

Home Value $179,141
Monthly Rent $882
Price-to-Rent 16.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.9%
Cap Rate 3.8%
5-Year IRR 8.1%

📈 Home Appreciation

1-Year -1.2% ▼
3-Year CAGR +0.2% ▲
5-Year CAGR +4.3% ▲
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: 3.8%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (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.

Vacancy
17.1%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+4.3%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 75432

Population: 3,299

💰 Median Household Income
$64,286
This area
$64,286
State
$70,593
USA
$74,580
🏠 Renter Occupied
28.3%
This area
28.3%
State
29.5%
USA
34.0%
💼 Unemployment Rate
0.9%
This area
0.9%
State
-25.4%
USA
3.7%
🎓 College Educated
28.4%
This area
28.4%
State
-5.8%
USA
33.7%
👤 Median Age
40.1 years
This area
40.1 years
State
-3.7 years
USA
38.9 years
🏚️ Vacancy Rate
17.1%
This area
17.1%
State
18.3%
USA
10.5%
👥 Population by Ethnicity
White 85.8%
Black/African American 10.6%
Other/Mixed 2.9%
Hispanic/Latino 1.2%
Asian 0.6%
👶 Under 18
25.3%
This area
25.3%
USA
22.0%
👴 65 and Over
17.5%
This area
17.5%
USA
17.3%
📊 Poverty Rate
12.9%
This area
12.9%
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 75432

B+ Avg School Grade
3 Schools
14.1:1 Avg Class Size
$15,592 Avg Per Pupil

Schools in This ZIP Code

A Very Good

COOPER H S

📚 09 – 12 High School
👥
227 Students
👨‍🏫
7.0:1 Class Size
💰
$15,592 Per Student
B+ Above Average

COOPER EL

📚 Pre-K – 05 Elementary
👥
469 Students
👨‍🏫
16.3:1 Class Size
💰
$15,592 Per Student
B Good

COOPER J H

📚 06 – 08 Middle
👥
182 Students
👨‍🏫
19.0:1 Class Size
💰
$15,592 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

What is the average monthly rent in Cooper, TX?

Expect rents around $882/mo per month in Cooper, TX. With home values at $179K, the yield math works out to reasonable levels for rental investors.

What is the rental occupancy rate in Cooper, TX?

Cooper, TX vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.

Is Cooper, TX better for rentals, flips, or BRRRR?

For Cooper, TX, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.

How landlord-friendly is Cooper, TX?

Landlord-friendliness in Cooper, TX is landlord-friendly. Eviction timelines and lease enforcement are considered reasonable by most property managers.

What is the tenant pool like in Cooper, TX?

Expect a solid tenant pool in Cooper, TX. The rental market absorbs $882/mo rents without meaningful friction.

You know 75432 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 75432 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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