Real Estate Investing in Simms, Texas (75574)

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

Bowie County • Population: 1,286 • Data updated: September 2026

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Should you buy in 75574 (Simms, TX)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (47/100)

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
  • High vacancy: 22.7% 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 Simms, TX (75574)?

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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 $205,633
Avg Monthly Rent $882
1% Rule ✗ Does Not Meet
Median Income $70,801
% Renters 7.8%

Market Analysis: 75574 Simms

ZIP 75574 inside Bowie County looks affordable on the surface — median value of $206K — but the discount exists for reasons that a careful buyer should understand before committing.

The investment case in 75574 is impressive only for operators who understand what they are buying. A $206K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

In the broader TX picture, 75574 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

The demographic picture in 75574 includes headwinds that any investor should price in. Income distribution skews lower than Simms averages, and tenant stability requires active management.

Experienced landlords with local relationships tend to find 75574 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 Simms:

C+ Average
Buy Confidence Score: 62/100
Affordability
20/25
Appreciation
14/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.9× the median income
Value Trend
Stable (+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
WARM
Seller-favorable conditions, steady activity
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
WARM MARKET
Texarkana, TX-AR Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
6.3%
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 Texarkana, TX-AR metro data

Market Trends

Home Value History (with trend line)

$267K$251K$235K$219K$203K$187KFeb 2022May 2024Jul 2026

📊 How Does 75574 Compare?

Metric 75574 Simms Texarkana, TX-AR Texas
Home Value $205,633 $205,633 N/A $297,000
5-Year CAGR N/A N/A N/A 5.4%
Avg Rent $882 $882 N/A -
Cap Rate 3.4% 3.4% - -
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 75574 (Simms, TX). Anonymous, moderated, never written by AI.

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Investability
Fair
Cap Rate
3.4%
Low

📊 Market Snapshot

Home Value $205,633
Monthly Rent $882
Price-to-Rent 19.4:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.2%
Cap Rate 3.4%
5-Year IRR N/A

📈 Home Appreciation

1-Year +1.2% ▲
3-Year CAGR -4.8% ▼
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: 3.4%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.4%). 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
22.7%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
N/A
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 75574

Population: 1,286

💰 Median Household Income
$70,801
This area
$70,801
State
$70,593
USA
$74,580
🏠 Renter Occupied
7.8%
This area
7.8%
State
29.5%
USA
34.0%
💼 Unemployment Rate
0.0%
This area
0.0%
State
-25.4%
USA
3.7%
🎓 College Educated
24.7%
This area
24.7%
State
-5.8%
USA
33.7%
👤 Median Age
49.0 years
This area
49.0 years
State
-3.7 years
USA
38.9 years
🏚️ Vacancy Rate
22.7%
This area
22.7%
State
18.3%
USA
10.5%
👥 Population by Ethnicity
White 98.4%
Other/Mixed 1.6%
👶 Under 18
25.2%
This area
25.2%
USA
22.0%
👴 65 and Over
24.9%
This area
24.9%
USA
17.3%
📊 Poverty Rate
7.7%
This area
7.7%
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 75574

A Avg School Grade
3 Schools
10.4:1 Avg Class Size
$14,040 Avg Per Pupil

Schools in This ZIP Code

A Very Good

JAMES BOWIE H S

📚 09 – 12 High School
👥
154 Students
👨‍🏫
8.3:1 Class Size
💰
$14,040 Per Student
A Very Good

JAMES BOWIE MIDDLE

📚 06 – 08 Middle
👥
130 Students
👨‍🏫
9.6:1 Class Size
💰
$14,040 Per Student
B+ Above Average

JAMES BOWIE EL

📚 Pre-K – 05 Elementary
👥
221 Students
👨‍🏫
13.3:1 Class Size
💰
$14,040 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

How strong is the working-renter base in Simms, TX?

Tenant demand in Simms, TX is solid. The local workforce $882/mo rents across most rental classes.

What type of investing works in Simms, TX?

Investors usually favor careful cash-flow rentals with hands-on management in Simms, TX. With home values at $206K and rents near $882/mo, other strategies can work but produce measured rather than outsized returns.

Is housing expensive in Simms, TX?

Simms, TX median home values land near $206K. That is reasonable territory for investors looking at $882/mo-per-month rentals.

What kind of vacancy should I budget for in Simms, TX?

Occupancy in Simms, TX runs predictable with elevated vacancy. Well-priced units at $882/mo lease on reasonable timelines.

Is rental property easy to operate in Simms, TX?

The landlord environment in Simms, TX is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.

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How 75574 ranks in Texarkana, TX-AR

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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