Real Estate Investing in Lovelady, Texas (75851)

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

Houston County • Population: 4,292 • Data updated: September 2026

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Should you buy in 75851 (Lovelady, TX)? Our answer, based on the numbers below.

🏠 For Homebuyers
WEAK FIT
Grade F (31/100)

Multiple negative signals. Better options likely exist nearby.

📈 For Investors
WEAK
2.0 / 5 (33/100)

Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.

⚠️ Risks to Know
2 flags
  • High vacancy: 35.4% of homes vacant — above national norms.
  • Declining values: -0.8% 5-year CAGR — values have moved lower.

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

What’s happening in Lovelady, TX (75851)?

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2.0/ 5

Investability

Overall investment appeal

1.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $282,522
Avg Monthly Rent $972
1% Rule ✗ Does Not Meet
Median Income $61,310
% Renters 13.6%

Market Analysis: 75851 Lovelady

In practical terms, ZIP 75851 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $283K median. It rewards specialists, not generalists.

Rent of $972/mo on a $283K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 75851 sits below the stated 0.0% once reality is priced in.

ZIP 75851's metrics run below Houston County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.

Employment concentration in 75851 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.

appears to the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.

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 Lovelady:

D Needs Caution
Buy Confidence Score: 45/100
Affordability
10/25
Appreciation
5/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.6× the median income
Value Trend
Stable (+1.2%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $972/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.

Market Trends

Home Value History (with trend line)

$339K$311K$284K$256K$228K$200KFeb 2018May 2022Jul 2026

📊 How Does 75851 Compare?

Metric 75851 Lovelady Texas
Home Value $282,522 $282,522 $297,000
5-Year CAGR N/A N/A 5.4%
Avg Rent $972 $972 -
Cap Rate 2.7% 2.7% -
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 75851 (Lovelady, TX). Anonymous, moderated, never written by AI.

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Property managers serving Houston County

Manage rentals here? List your business →

SBB Community Management provides Texas HOA management services for homeowners associations, condominium associations, and master-planned communities across Dallas, Fort Worth, and Houston. summary from their website

HOACommercial
Unclaimed — is this your business? Claim it free

Monument Property Management specializes in the acquisition and re-positioning of multifamily assets, offering property management services with three decades of real estate experience. summary from their website

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

Post Oak Property Management provides property management services for associations in Katy and Houston, TX, offering online access to information and a new app. summary from their website

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

Investability
Fair
Cap Rate
2.7%
Low
5yr Growth
-0.8%
Declining

📊 Market Snapshot

Home Value $282,522
Monthly Rent $972
Price-to-Rent 24.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.1%
Cap Rate 2.7%
5-Year IRR 1.9%

📈 Home Appreciation

1-Year +1.2% ▲
3-Year CAGR -1.4% ▼
5-Year CAGR -0.8% ▼
10-Year CAGR N/A

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.7%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.7%). 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.

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⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
35.4%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
-0.8%
Flat
Eviction process: Fast Rent control: Favorable

Demographics in 75851

Population: 4,292

💰 Median Household Income
$61,310
This area
$61,310
State
$70,593
USA
$74,580
🏠 Renter Occupied
13.6%
This area
13.6%
State
29.5%
USA
34.0%
💼 Unemployment Rate
0.7%
This area
0.7%
State
-25.4%
USA
3.7%
🎓 College Educated
7.2%
This area
7.2%
State
-5.8%
USA
33.7%
👤 Median Age
43.1 years
This area
43.1 years
State
-3.7 years
USA
38.9 years
🏚️ Vacancy Rate
35.4%
This area
35.4%
State
18.3%
USA
10.5%
👥 Population by Ethnicity
White 56.3%
Black/African American 25.3%
Other/Mixed 18.1%
Hispanic/Latino 12.9%
Asian 0.2%
👶 Under 18
10.7%
This area
10.7%
USA
22.0%
👴 65 and Over
10.0%
This area
10.0%
USA
17.3%
📊 Poverty Rate
8.3%
This area
8.3%
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 75851

A+ Avg School Grade
2 Schools
11.3:1 Avg Class Size
$21,206 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

LOVELADY EL

📚 Pre-K – 06 School
👥
266 Students
👨‍🏫
11.6:1 Class Size
💰
$21,206 Per Student
A+ Excellent

LOVELADY J H H S

📚 07 – 12 High School
👥
270 Students
👨‍🏫
11.0:1 Class Size
💰
$21,206 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

Where do home prices stand in Lovelady, TX?

Lovelady, TX home values average about $283K. That price point suits investors targeting rentals with $972/mo in monthly income.

How landlord-friendly is Lovelady, TX?

Landlord-friendliness in Lovelady, TX is landlord-friendly. Eviction timelines and lease enforcement are considered reasonable by most property managers.

How strong is tenant demand in Lovelady, TX?

Lovelady, TX draws a even-keeled base of working renters. Demand at the $972/mo rent level is reasonable for standard single-family and small multi rentals.

How much is rent in Lovelady, TX?

Lovelady, TX rentals go for roughly $972/mo a month. That puts gross yield in solid territory relative to $283K acquisition costs.

What is the rental occupancy rate in Lovelady, TX?

Occupancy in Lovelady, TX runs predictable with elevated vacancy. Well-priced units at $972/mo lease on reasonable timelines.

You know 75851 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 75851 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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