Real Estate Investing in Ladonia, Texas (75449)

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

Fannin County • Population: 1,000 • Data updated: September 2026

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Should you buy in 75449 (Ladonia, TX)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (50/100)

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
2 flags
  • High vacancy: 33.4% of homes vacant — above national norms.
  • Higher unemployment: 8.0% unemployment — tenant risk signal.

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

What’s happening in Ladonia, TX (75449)?

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2.0/ 5

Investability

Overall investment appeal

1.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $216,661
Avg Monthly Rent $1,008
1% Rule ✗ Does Not Meet
Median Income $62,500
% Renters 36.5%

Market Analysis: 75449 Ladonia

Investors eyeing 75449 need to respect the fundamentals at play. Home values of $217K come alongside slower price movement and elevated management overhead.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $217K asset, 75449 is the wrong submarket. If the plan prices in friction, the yield can still work.

Put differently, 75449 offers a low basis, the region around Ladonia has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.

The demographic picture in 75449 includes headwinds that any investor should price in. Income distribution skews lower than Ladonia averages, and tenant stability requires active management.

Strategy in 75449 is an operator game, not a passive one. From a cash-flow lens, entry prices of $217K are inviting, the management lift is real and non-optional.

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 Ladonia:

C+ Average
Buy Confidence Score: 62/100
Affordability
20/25
Appreciation
14/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.5× the median income
Value Trend
Stable (+0.7%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,008/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
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)

$256K$218K$179K$140K$101K$62KMar 2009Nov 2017Jul 2026

📊 How Does 75449 Compare?

Metric 75449 Ladonia Bonham, TX Texas
Home Value $216,661 $216,661 N/A $297,000
5-Year CAGR 1.6% 1.6% N/A 5.4%
Avg Rent $1,008 $1,008 N/A -
Cap Rate 3.6% 3.6% - -
💡 Why Invest in 75449? Click to expand

A healthy rental market with 37% 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 75449 (Ladonia, TX). Anonymous, moderated, never written by AI.

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Investability
Fair
Cap Rate
3.6%
Low
5yr Growth
+1.6%
Slow

📉 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 $216,661
Monthly Rent $1,008
Price-to-Rent 17.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.6%
Cap Rate 3.6%
5-Year IRR 5.3%

📈 Home Appreciation

1-Year +0.7% ▲
3-Year CAGR -0.2% ▼
5-Year CAGR +1.6% ▲
10-Year CAGR +7.7% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.6%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.6%). 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
33.4%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+1.6%
Flat
Eviction process: Fast Rent control: Favorable

Demographics in 75449

Population: 1,000

💰 Median Household Income
$62,500
This area
$62,500
State
$70,593
USA
$74,580
🏠 Renter Occupied
36.5%
This area
36.5%
State
29.5%
USA
34.0%
💼 Unemployment Rate
8.0%
This area
8.0%
State
-25.4%
USA
3.7%
🎓 College Educated
16.9%
This area
16.9%
State
-5.8%
USA
33.7%
👤 Median Age
42.3 years
This area
42.3 years
State
-3.7 years
USA
38.9 years
🏚️ Vacancy Rate
33.4%
This area
33.4%
State
18.3%
USA
10.5%
👥 Population by Ethnicity
White 73.3%
Black/African American 21.9%
Other/Mixed 4.8%
Hispanic/Latino 1.0%
👶 Under 18
25.6%
This area
25.6%
USA
22.0%
👴 65 and Over
18.7%
This area
18.7%
USA
17.3%
📊 Poverty Rate
8.7%
This area
8.7%
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 75449

A Avg School Grade
1 Schools
5.1:1 Avg Class Size
$21,351 Avg Per Pupil

Schools in This ZIP Code

A Very Good

FANNINDEL H S

📚 07 – 12 High School
👥
54 Students
👨‍🏫
5.1:1 Class Size
💰
$21,351 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

1 Nearby 828 Off-Campus Students
C+
Texas A & M University-Commerce
12,013 students · 12.8 mi

Investor Insight: With 828 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What strategy should investors use in Ladonia, TX?

A careful cash-flow rentals with hands-on management strategy Ladonia, TX best. The market produces consistent results for that approach at the $217K price point.

How expensive is real estate in Ladonia, TX?

Median home price in Ladonia, TX is near $217K, with a 5-year CAGR of 0.0%. Prices have been stable and supportive of buy-and-hold strategies.

What are rental rates like in Ladonia, TX?

Rental rates in Ladonia, TX average $1,008/mo. Tenant demand and $217K home values make the yield look reasonable by investor standards.

Can I live-in-and-rent in Ladonia, TX?

House hacking in Ladonia, TX is a challenging. With home values around $217K and rents at $1,008/mo, owner-occupants can offset a meaningful share of PITI.

How strong is Ladonia, TX for real estate investors?

Ladonia, TX scores 2.0/5 for investability. Home values sit at $217K and rents near $1,008/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.

You know 75449 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 75449 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 75449 ranks in Bonham, TX

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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