Real Estate Investing in Pittsburg, Texas (75686)

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

Camp County • Population: 13,427 • Data updated: September 2026

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Should you buy in 75686 (Pittsburg, TX)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (53/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 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: 22.0% 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 Pittsburg, TX (75686)?

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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 $221,588
Avg Monthly Rent $972
1% Rule ✗ Does Not Meet
Median Income $55,327
% Renters 20.3%

Market Analysis: 75686 Pittsburg

ZIP 75686 in Pittsburg, TX carries a impressive set of headwinds. Home values near $222K and rents of $972/mo sit inside a market where underwriting has to be tight.

Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 75686 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.

In practical terms, 75686 offers a low basis, the region around Pittsburg has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.

A substantial renter share of 20% in 75686 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.

Distressed ZIPs reward experience. impressive returns are possible in 75686, but they flow to investors who already understand how to operate in soft markets.

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 Pittsburg:

C+ Average
Buy Confidence Score: 61/100
Affordability
15/25
Appreciation
14/25
Stability
11/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4× the median income
Value Trend
Stable (+2.7%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $972/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
Mount Pleasant, TX Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
4.4%
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 Mount Pleasant, TX metro data
🏠

Property Strategy for 75686

Which property type performs best in this market?

Best for Cash Flow
3BR
4.0% cap rate
Best for Appreciation
3BR
+9.0% 5yr CAGR
Best Overall Value
3BR
$87,316/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
3BR $261,949 $1,460 4.0% +9.0% $87,316
4BR $373,781 $1,540 3.0% +8.4% $93,445

Market Trends

Home Value History (with trend line)

$244K$216K$188K$160K$133K$105KMay 2009Dec 2017Jul 2026

📊 How Does 75686 Compare?

Metric 75686 Pittsburg Mount Pleasant, TX Texas
Home Value $221,588 $221,588 N/A $297,000
5-Year CAGR 2.3% 2.3% N/A 5.4%
Avg Rent $972 $972 N/A -
Cap Rate 3.4% 3.4% - -
💡 Why Invest in 75686? Click to expand

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

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 75686 (Pittsburg, TX). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.4%
Low
5yr Growth
+2.3%
Slow

📉 Market Crash Risk Index

Based on Mount Pleasant, TX metro

2/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
2/3
71%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $221,588
Monthly Rent $972
Price-to-Rent 19.0:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.3%
Cap Rate 3.4%
5-Year IRR 5.7%

📈 Home Appreciation

1-Year +2.7% ▲
3-Year CAGR -1.7% ▼
5-Year CAGR +2.3% ▲
10-Year CAGR +5.0% ▲

🏠 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
22.0%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+2.3%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 75686

Population: 13,427

💰 Median Household Income
$55,327
This area
$55,327
State
$70,593
USA
$74,580
🏠 Renter Occupied
20.3%
This area
20.3%
State
29.5%
USA
34.0%
💼 Unemployment Rate
3.6%
This area
3.6%
State
-25.4%
USA
3.7%
🎓 College Educated
19.6%
This area
19.6%
State
-5.8%
USA
33.7%
👤 Median Age
38.9 years
This area
38.9 years
State
-3.7 years
USA
38.9 years
🏚️ Vacancy Rate
22.0%
This area
22.0%
State
18.3%
USA
10.5%
👥 Population by Ethnicity
White 64.2%
Other/Mixed 19.8%
Hispanic/Latino 15.7%
Black/African American 15.3%
Asian 0.7%
👶 Under 18
26.3%
This area
26.3%
USA
22.0%
👴 65 and Over
18.3%
This area
18.3%
USA
17.3%
📊 Poverty Rate
16.0%
This area
16.0%
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 75686

B+ Avg School Grade
5 Schools
11.3:1 Avg Class Size
$13,388 Avg Per Pupil

Schools in This ZIP Code

A Very Good

PITTSBURG H S

📚 09 – 12 High School
👥
674 Students
👨‍🏫
9.7:1 Class Size
💰
$13,388 Per Student
A Very Good

PITTSBURG INT

📚 05 – 06 School
👥
318 Students
👨‍🏫
10.7:1 Class Size
💰
$13,388 Per Student
A Very Good

PITTSBURG J H

📚 07 – 08 Middle
👥
341 Students
👨‍🏫
10.9:1 Class Size
💰
$13,388 Per Student
A Very Good

PITTSBURG PRI

📚 Pre-K – 01 Elementary
👥
449 Students
👨‍🏫
11.2:1 Class Size
💰
$13,388 Per Student
B+ Above Average

PITTSBURG EL

📚 02 – 04 Elementary
👥
503 Students
👨‍🏫
14.0:1 Class Size
💰
$13,388 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.

🎓 Nearby Colleges & Universities

1 Nearby 1,282 Off-Campus Students
C+
Northeast Texas Community College
3,105 students · 10.1 mi

Investor Insight: With 1,282 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Are rents high in Pittsburg, TX?

Investors in Pittsburg, TX typically see rents near $972/mo per month against $222K home values - a solid setup for rental cash flow.

How strong is tenant demand in Pittsburg, TX?

Tenant demand in Pittsburg, TX is solid. The local workforce $972/mo rents across most rental classes.

How does Pittsburg, TX rate as a rental market?

Yes - Pittsburg, TX a 3.0/5 investability score. With $222K home prices against $972/mo monthly rent, the market delivers a reasonable entry point for new investors.

What investment strategy works best in Pittsburg, TX?

Investors who focus on careful cash-flow rentals with hands-on management typically do well in Pittsburg, TX. The numbers - $222K homes against $972/mo rents - support that play.

How quickly do rentals get leased in Pittsburg, TX?

Pittsburg, TX vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.

You know 75686 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 75686 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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