Real Estate Investing in Henderson, Texas (75654)

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

Rusk • Population: 12,184 • Data updated: September 2026

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Should you buy in 75654 (Henderson, TX)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (60/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • High vacancy: 13.7% 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 Henderson, TX (75654)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $224,392
Avg Monthly Rent $1,053
1% Rule ✗ Does Not Meet
Median Income $58,839
% Renters 22.3%

Market Analysis: 75654 Henderson

The 75654 ZIP covers a section of Henderson that demands careful diligence. Prices near $224K look accessible, but the work to make a deal cash flow is real.

For an experienced owner, 75654 can be a a credible choice for hunting ground — but the discount at $224K reflects genuine risk that outside investors often underestimate.

In the broader TX picture, 75654 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

Who lives in 75654 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

Strategically, 75654 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.

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 Henderson:

C+ Average
Buy Confidence Score: 67/100
Affordability
15/25
Appreciation
18/25
Stability
11/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.8× the median income
Value Trend
Rising (+4.7%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,053/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.

Market Trends

Home Value History (with trend line)

$234K$210K$187K$163K$140K$116KApr 2009Dec 2017Jul 2026

📊 How Does 75654 Compare?

Metric 75654 Henderson Texas
Home Value $224,392 $209,845 $297,000
5-Year CAGR 4.6% 4.4% 5.4%
Avg Rent $1,053 $1,044 -
Cap Rate 3.7% 3.9% -
💡 Why Invest in 75654? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 75654 (Henderson, TX). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.7%
Low
5yr Growth
+4.6%
Moderate

📊 Market Snapshot

Home Value $224,392
Monthly Rent $1,053
Price-to-Rent 17.8:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.6%
Cap Rate 3.7%
5-Year IRR 8.3%

📈 Home Appreciation

1-Year +4.7% ▲
3-Year CAGR +1.2% ▲
5-Year CAGR +4.6% ▲
10-Year CAGR +4.2% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.7%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.7%). 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
13.7%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+4.6%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 75654

Population: 12,184

💰 Median Household Income
$58,839
This area
$58,839
State
$70,593
USA
$74,580
🏠 Renter Occupied
22.3%
This area
22.3%
State
29.5%
USA
34.0%
💼 Unemployment Rate
3.3%
This area
3.3%
State
-25.4%
USA
3.7%
🎓 College Educated
21.4%
This area
21.4%
State
-5.8%
USA
33.7%
👤 Median Age
39.3 years
This area
39.3 years
State
-3.7 years
USA
38.9 years
🏚️ Vacancy Rate
13.7%
This area
13.7%
State
18.3%
USA
10.5%
👥 Population by Ethnicity
White 74.1%
Other/Mixed 15.4%
Hispanic/Latino 13.2%
Black/African American 10.4%
Asian 0.1%
👶 Under 18
26.1%
This area
26.1%
USA
22.0%
👴 65 and Over
16.0%
This area
16.0%
USA
17.3%
📊 Poverty Rate
8.6%
This area
8.6%
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 75654

B+ Avg School Grade
4 Schools
14.4:1 Avg Class Size
$13,427 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

CARLISLE SCHOOL

📚 Pre-K – 12 K-12
👥
639 Students
👨‍🏫
10.7:1 Class Size
💰
$17,470 Per Student
B+ Above Average

HENDERSON MIDDLE

📚 06 – 08 Middle
👥
759 Students
👨‍🏫
13.2:1 Class Size
💰
$12,079 Per Student
B Good

MONNIE MEYER WYLIE PRI

📚 Pre-K – K Elementary
👥
436 Students
👨‍🏫
17.7:1 Class Size
💰
$12,079 Per Student
B Good

WILLIAM E WYLIE EL

📚 01 – 03 Elementary
👥
660 Students
👨‍🏫
15.9:1 Class Size
💰
$12,079 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

What strategy should investors use in Henderson, TX?

Henderson, TX investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($224K prices, $1,053/mo rents) make it a reasonable choice.

How qualified is the tenant pool in Henderson, TX?

Henderson, TX offers a consistent renter base at the $1,053/mo rent level. Tenant turnover is reasonable for well-managed properties.

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

House hacking works a challenging in Henderson, TX. Rents of $1,053/mo against $224K acquisition make the strategy solid for owner-occupants.

What is the investability score for Henderson, TX?

Henderson, TX scores 3.0/5 for investability. Home values sit at $224K and rents near $1,053/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.

How strict are landlord regulations in Henderson, TX?

TX law landlord-friendly for landlords, and Henderson inherits those rules. Investors should still review local ordinances for rental licensing.

You know 75654 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 75654 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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