Real Estate Investing in Gilmer, Texas (75645)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 75645 (Gilmer, TX)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- Elevated vacancy: 9.2% vacancy may signal weakening demand.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Gilmer, TX (75645)?
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Market Analysis: 75645 Gilmer
Looking more closely, ZIP 75645 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $279K median. It rewards specialists, not generalists.
The 75645 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
Statewide comparisons place 75645 among TX's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.
Employment concentration in 75645 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.
Experienced landlords with local relationships tend to find 75645 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.
Here's what matters if you're considering buying a home in Gilmer:
Property Strategy for 75645
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 3BR | $284,630 | $1,710 | 4.3% | +7.2% | $94,877 |
| 4BR | $403,962 | $1,810 | 3.2% | +8.3% | $100,990 |
Market Trends
Home Value History (with trend line)
📊 How Does 75645 Compare?
| Metric | 75645 | Gilmer | Texas |
|---|---|---|---|
| Home Value | $279,094 | $250,460 | $297,000 |
| 5-Year CAGR | 5.2% | 4.4% | 5.4% |
| Avg Rent | $1,152 | $1,080 | - |
| Cap Rate | 3.2% | 3.4% | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 75645 (Gilmer, TX). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $279,094 |
| Monthly Rent | $1,152 |
| Price-to-Rent | 20.2:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.0% |
| Cap Rate | 3.2% |
| 5-Year IRR | 8.5% |
📈 Home Appreciation
| 1-Year | +4.2% ▲ |
| 3-Year CAGR | +1.9% ▲ |
| 5-Year CAGR | +5.2% ▲ |
| 10-Year CAGR | +5.9% ▲ |
🏠 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 (3.2%). 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 75645
Population: 10,511
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
How do home values compare in Gilmer, TX?
Gilmer, TX home values average about $279K. That price point suits investors targeting rentals with $1,152/mo in monthly income.
Are landlord laws favorable in Gilmer, TX?
TX law landlord-friendly for landlords, and Gilmer inherits those rules. Investors should still review local ordinances for rental licensing.
What kind of tenants rent in Gilmer, TX?
The tenant pool in Gilmer, TX is solid, supported by local employment and population fundamentals. Rents of $1,152/mo are well-absorbed by the market.
Can I house hack in Gilmer, TX?
The a challenging house-hack environment in Gilmer, TX reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.
What is the rental occupancy rate in Gilmer, TX?
Gilmer, TX carries elevated vacancy risk. Expect consistent absorption at market rents of $1,152/mo.
You know 75645 now. You don’t know where it ranks.
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