Real Estate Investing in Troup, Texas (75789)

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

Cherokee County • Population: 8,332 • Data updated: September 2026

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Should you buy in 75789 (Troup, TX)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (59/100)

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: 12.0% 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 Troup, TX (75789)?

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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 $276,204
Avg Monthly Rent $1,080
1% Rule ✗ Does Not Meet
Median Income $79,112
% Renters 19.8%

Market Analysis: 75789 Troup

This part of Cherokee County is not an easy win. The 75789 ZIP stands at softness in key indicators, and the playbook that works in cleaner markets often stalls here.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $276K asset, 75789 is the wrong submarket. If the plan prices in friction, the yield can still work.

In the broader TX picture, 75789 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 75789 includes headwinds that any investor should price in. Income distribution skews lower than Troup averages, and tenant stability requires active management.

New investors are better served looking at Troup's stable or hybrid ZIPs before stepping into 75789. The learning curve here is expensive when the lesson is wrong.

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 Troup:

C+ Average
Buy Confidence Score: 68/100
Affordability
20/25
Appreciation
18/25
Stability
9/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.5× the median income
Value Trend
Declining (-0.5%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,080/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
Jacksonville, TX Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
5.4%
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 Jacksonville, TX metro data
🏠

Property Strategy for 75789

Which property type performs best in this market?

Best for Cash Flow
2BR
4.5% cap rate
Best for Appreciation
3BR
+8.3% 5yr CAGR
Best Overall Value
2BR
$96,157/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $192,314 $1,200 4.5% +8.1% $96,157
3BR $338,185 $1,600 3.4% +8.3% $112,728

Market Trends

Home Value History (with trend line)

$298K$259K$220K$181K$141K$102KJan 2009Oct 2017Jul 2026

📊 How Does 75789 Compare?

Metric 75789 Troup Jacksonville, TX Texas
Home Value $276,204 $276,204 N/A $297,000
5-Year CAGR 3.5% 3.5% N/A 5.4%
Avg Rent $1,080 $1,080 N/A -
Cap Rate 3.1% 3.1% - -
💡 Why Invest in 75789? 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 →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 75789 (Troup, TX). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.1%
Low
5yr Growth
+3.5%
Moderate

📉 Market Crash Risk Index

Based on Jacksonville, TX metro

2/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
2/3
75%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $276,204
Monthly Rent $1,080
Price-to-Rent 21.3:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.7%
Cap Rate 3.1%
5-Year IRR 6.6%

📈 Home Appreciation

1-Year -0.5% ▼
3-Year CAGR -0.3% ▼
5-Year CAGR +3.5% ▲
10-Year CAGR +5.8% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.1%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.1%). 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
12.0%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+3.5%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 75789

Population: 8,332

💰 Median Household Income
$79,112
This area
$79,112
State
$70,593
USA
$74,580
🏠 Renter Occupied
19.8%
This area
19.8%
State
29.5%
USA
34.0%
💼 Unemployment Rate
3.9%
This area
3.9%
State
-25.4%
USA
3.7%
🎓 College Educated
20.5%
This area
20.5%
State
-5.8%
USA
33.7%
👤 Median Age
38.7 years
This area
38.7 years
State
-3.7 years
USA
38.9 years
🏚️ Vacancy Rate
12.0%
This area
12.0%
State
18.3%
USA
10.5%
👥 Population by Ethnicity
White 77.8%
Black/African American 12.9%
Other/Mixed 9.0%
Hispanic/Latino 7.1%
Asian 0.3%
👶 Under 18
28.0%
This area
28.0%
USA
22.0%
👴 65 and Over
15.4%
This area
15.4%
USA
17.3%
📊 Poverty Rate
12.3%
This area
12.3%
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 75789

A Avg School Grade
3 Schools
11.9:1 Avg Class Size
$14,902 Avg Per Pupil

Schools in This ZIP Code

A Very Good

TROUP H S

📚 09 – 12 High School
👥
323 Students
👨‍🏫
11.2:1 Class Size
💰
$14,902 Per Student
A Very Good

TROUP EL

📚 Pre-K – 05 Elementary
👥
498 Students
👨‍🏫
12.5:1 Class Size
💰
$14,902 Per Student
B+ Above Average

TROUP MIDDLE

📚 06 – 08 Middle
👥
254 Students
👨‍🏫
12.1:1 Class Size
💰
$14,902 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

2 Nearby
C+
Baptist Missionary Association Theological Seminary
95 students · 13.2 mi
C
Jacksonville College-Main Campus
509 students · 14.9 mi

Frequently Asked Questions

Is Troup in TX worth investing in?

Investors tracking Troup, TX will find a 3.0/5 rating supported by $276K median home values and $1,080/mo rents. That profile suits long-term holders targeting even-keeled returns.

Do landlords face vacancy issues in Troup, TX?

Expect elevated vacancy in Troup, TX. Rents at $1,080/mo are absorbed by the tenant base without meaningful lag.

What do rentals go for in Troup, TX?

Average rent in Troup, TX is approximately $1,080/mo per month. Against $276K home values that yields a reasonable rent-to-price ratio.

What is the typical home price in Troup, TX?

In Troup, TX the median home value sits at $276K. Against the broader TX market, that reads as reasonable for most investors.

What is the tenant pool like in Troup, TX?

The tenant pool in Troup, TX is solid, supported by local employment and population fundamentals. Rents of $1,080/mo are well-absorbed by the market.

You know 75789 now. You don’t know where it ranks.

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How 75789 ranks in Jacksonville, TX

Every ZIP in this metro, ranked. Free.

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