Real Estate Investing in Saltillo, Texas (75478)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 75478 (Saltillo, 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.
- Elevated vacancy: 9.6% vacancy may signal weakening demand.
- High price-to-rent: Price-to-rent ratio 29.7 — hard to cash-flow at these prices.
• 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 Saltillo, TX (75478)?
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Market Analysis: 75478 Saltillo
ZIP 75478 in Saltillo, TX carries a solid set of headwinds. Home values near $330K and rents of $927/mo sit inside a market where underwriting has to be tight.
The investment case in 75478 is solid only for operators who understand what they are buying. A $330K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.
Nearby ZIPs in Saltillo have seen price recovery that 75478 has not matched. Hopkins County data supports the view that the spread is structural rather than temporary.
From a cash-flow lens, 855 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.
Strategy in 75478 is an operator game, not a passive one. Put differently, entry prices of $330K are inviting, the management lift is real and non-optional.
Here's what matters if you're considering buying a home in Saltillo:
Market Trends
Home Value History (with trend line)
📊 How Does 75478 Compare?
| Metric | 75478 | Saltillo | Sulphur Springs, TX | Texas |
|---|---|---|---|---|
| Home Value | $329,854 | $329,854 | N/A | $297,000 |
| 5-Year CAGR | N/A | N/A | N/A | 5.4% |
| Avg Rent | $927 | $927 | N/A | - |
| Cap Rate | 2.2% | 2.2% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 75478 (Saltillo, TX). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $329,854 |
| Monthly Rent | $927 |
| Price-to-Rent | 29.7:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.4% |
| Cap Rate | 2.2% |
| 5-Year IRR | 3.2% |
📈 Home Appreciation
| 1-Year | +4.8% ▲ |
| 3-Year CAGR | +1.0% ▲ |
| 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 (2.2%). 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 75478
Population: 855
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 75478
Schools in This ZIP Code
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 it like being a landlord in Saltillo, TX?
Saltillo, TX falls under TX landlord-tenant law, which is landlord-friendly. That backdrop makes day-to-day property management reasonable.
What kind of tenants rent in Saltillo, TX?
Saltillo, TX draws a stable base of working renters. Demand at the $927/mo rent level is reasonable for standard single-family and small multi rentals.
Is Saltillo, TX good for house hacking?
For house hackers, Saltillo, TX is a challenging. The $927/mo rent on a unit helps defray the mortgage on a $330K property.
What is the average monthly rent in Saltillo, TX?
Rents in Saltillo, TX run near $927/mo. Compared with median home prices of $330K that produces solid gross yields for typical rentals.
Is housing expensive in Saltillo, TX?
The median home value in Saltillo, TX is roughly $330K. That puts it reasonable relative to the TX statewide average.
You know 75478 now. You don’t know where it ranks.
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How 75478 ranks in Sulphur Springs, TX
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