Real Estate Investing in Winona, Texas (75792)

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

Smith County • Population: 3,934 • Data updated: September 2026

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Should you buy in 75792 (Winona, TX)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (57/100)

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
2 flags
  • High vacancy: 16.0% of homes vacant — above national norms.
  • Elevated poverty: 23.2% poverty rate — can affect rent collection.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Winona, TX (75792)?

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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 $232,754
Avg Monthly Rent $1,179
1% Rule ✗ Does Not Meet
Median Income $52,153
% Renters 21.7%

Market Analysis: 75792 Winona

ZIP 75792 in Winona, TX carries a durable set of headwinds. Home values near $233K and rents of $1,179/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 75792 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.

In the broader TX picture, 75792 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

Turning to rents, 3,934 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.

Distressed ZIPs reward experience. durable returns are possible in 75792, 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 Winona:

C+ Average
Buy Confidence Score: 65/100
Affordability
15/25
Appreciation
18/25
Stability
7/20
Timing
10/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.5× the median income
Value Trend
Stable (+2.8%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,179/mo if you need to move
Market Conditions
COOL
More inventory, negotiating room for buyers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
❄️
COOL MARKET
Tyler, TX Metro Area
More inventory, negotiating room for buyers
88 days
Average time to sell
Slow
8.8%
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 Tyler, TX metro data

Market Trends

Home Value History (with trend line)

$250K$217K$183K$150K$116K$83KJan 2009Oct 2017Jul 2026

📊 How Does 75792 Compare?

Metric 75792 Winona Tyler, TX Texas
Home Value $232,754 $232,754 N/A $297,000
5-Year CAGR 3.1% 3.1% N/A 5.4%
Avg Rent $1,179 $1,179 N/A -
Cap Rate 4.0% 4.0% - -
💡 Why Invest in 75792? 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 75792 (Winona, TX). Anonymous, moderated, never written by AI.

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Property managers serving Smith County

Manage rentals here? List your business →

Real Property Management Accurate Solutions is a property management company located in Tyler, TX. summary from their website

Unclaimed — is this your business? Claim it free

This domain is for sale for $5,095 or monthly payments of $212.29 for 24 months. summary from their website

Unclaimed — is this your business? Claim it free
Unclaimed — is this your business? Claim it free

Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.

Investability
Good
Cap Rate
4.0%
Low
5yr Growth
+3.1%
Moderate

📉 Market Crash Risk Index

Based on Tyler, TX metro

4/10
Moderate Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
2/3
67%
Days Pending
2/2
88 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $232,754
Monthly Rent $1,179
Price-to-Rent 16.5:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.1%
Cap Rate 4.0%
5-Year IRR 7.1%

📈 Home Appreciation

1-Year +2.8% ▲
3-Year CAGR -0.8% ▼
5-Year CAGR +3.1% ▲
10-Year CAGR +5.4% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.0%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.0%). 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
16.0%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+3.1%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 75792

Population: 3,934

💰 Median Household Income
$52,153
This area
$52,153
State
$70,593
USA
$74,580
🏠 Renter Occupied
21.7%
This area
21.7%
State
29.5%
USA
34.0%
💼 Unemployment Rate
2.4%
This area
2.4%
State
-25.4%
USA
3.7%
🎓 College Educated
11.5%
This area
11.5%
State
-5.8%
USA
33.7%
👤 Median Age
42.1 years
This area
42.1 years
State
-3.7 years
USA
38.9 years
🏚️ Vacancy Rate
16.0%
This area
16.0%
State
18.3%
USA
10.5%
👥 Population by Ethnicity
White 52.1%
Black/African American 27.7%
Other/Mixed 20.1%
Hispanic/Latino 18.7%
👶 Under 18
25.8%
This area
25.8%
USA
22.0%
👴 65 and Over
20.5%
This area
20.5%
USA
17.3%
📊 Poverty Rate
23.2%
This area
23.2%
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 75792

A Avg School Grade
3 Schools
11.9:1 Avg Class Size
$15,306 Avg Per Pupil

Schools in This ZIP Code

A Very Good

WINONA H S

📚 09 – 12 High School
👥
305 Students
👨‍🏫
9.0:1 Class Size
💰
$15,306 Per Student
A Very Good

WINONA MIDDLE

📚 06 – 08 Middle
👥
263 Students
👨‍🏫
11.4:1 Class Size
💰
$15,306 Per Student
B+ Above Average

WINONA EL

📚 Pre-K – 05 Elementary
👥
585 Students
👨‍🏫
15.3:1 Class Size
💰
$15,306 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

4 Nearby 4,855 Off-Campus Students
C
Jarvis Christian University
800 students · 9.4 mi
C+
The University of Texas at Tyler
9,678 students · 13.6 mi
D
Texas College
644 students · 13.6 mi
C+
Tyler Junior College
11,977 students · 13.8 mi

Investor Insight: With 4,855 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

How do home values compare in Winona, TX?

In Winona, TX the median home value sits at $233K. Against the broader TX market, that reads as reasonable for most investors.

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

Tenant demand in Winona, TX is solid. The local workforce $1,179/mo rents across most rental classes.

What are rental rates like in Winona, TX?

Rental rates in Winona, TX average $1,179/mo. Tenant demand and $233K home values make the yield look reasonable by investor standards.

What real estate strategy is ideal for Winona, TX?

For Winona, TX, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.

Are eviction rules reasonable in Winona, TX?

For rental operators, Winona, TX rates as landlord-friendly. The regulatory environment standard buy-and-hold operations.

You know 75792 now. You don’t know where it ranks.

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How 75792 ranks in Tyler, TX

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