Real Estate Investing in Bonham, Texas (75492)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 75492 (Bonham, TX)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.
- High vacancy: 18.9% of homes vacant — above national norms.
- High price-to-rent: Price-to-rent ratio 25.8 — 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 Bonham, TX (75492)?
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Market Analysis: 75492 Bonham
Meanwhile, ZIP 75492 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $276K median. It rewards specialists, not generalists.
The 75492 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
The gap between 75492 and stronger Bonham ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
The demographic picture in 75492 includes headwinds that any investor should price in. Income distribution skews lower than Bonham averages, and tenant stability requires active management.
looks 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.
Here's what matters if you're considering buying a home in Bonham:
Market Trends
Home Value History (with trend line)
📊 How Does 75492 Compare?
| Metric | 75492 | Bonham | Bonham, TX | Texas |
|---|---|---|---|---|
| Home Value | $275,771 | $254,425 | N/A | $297,000 |
| 5-Year CAGR | N/A | 3.7% | N/A | 5.4% |
| Avg Rent | $891 | $1,192 | N/A | - |
| Cap Rate | 2.5% | 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 75492 (Bonham, TX). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $275,771 |
| Monthly Rent | $891 |
| Price-to-Rent | 25.8:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.9% |
| Cap Rate | 2.5% |
| 5-Year IRR | 5.7% |
📈 Home Appreciation
| 1-Year | +6.5% ▲ |
| 3-Year CAGR | +3.2% ▲ |
| 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 |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.5%). 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 75492
Population: 348
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
What do landlords charge for rent in Bonham, TX?
Expect rents around $891/mo per month in Bonham, TX. With home values at $276K, the yield math works out to reasonable levels for rental investors.
Does Bonham, TX favor landlords or tenants?
Rental owners in Bonham, TX deal with a landlord-friendly legal framework. Most standard eviction processes run on reasonable timelines.
What approach is best for Bonham, TX real estate?
The best-fit strategy in Bonham, TX is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.
Is vacancy a concern in Bonham, TX?
Rental vacancy in Bonham, TX is elevated. Investors should budget normal turnover but not chronic empty units.
Is Bonham, TX a good market for FHA house hackers?
Bonham, TX is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $276K price point reasonable to enter.
You know 75492 now. You don’t know where it ranks.
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