Real Estate Investing in Nacogdoches, Texas (75961)

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

Nacogdoches County • Population: 14,875 • Data updated: September 2026

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Should you buy in 75961 (Nacogdoches, TX)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (49/100)

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

📈 For Investors
MIXED
3.0 / 5 (52/100)

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
3 flags
  • High vacancy: 17.0% of homes vacant — above national norms.
  • Elevated poverty: 23.4% poverty rate — can affect rent collection.
  • Lower household income: $38,547 median — tenant affordability is tighter.

What’s happening in Nacogdoches, TX (75961)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $199,443
Avg Monthly Rent $1,060
1% Rule ✗ Does Not Meet
Median Income $38,547
% Renters 51.2%

Market Analysis: 75961 Nacogdoches

The 75961 ZIP in Nacogdoches, TX is a local-operator market. Outside capital chasing a $199K entry has to pair deep knowledge with the discount.

The 75961 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

In the broader TX picture, 75961 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

Demographically, 75961 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.

The right play in 75961 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.

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 Nacogdoches:

C+ Average
Buy Confidence Score: 60/100
Affordability
10/25
Appreciation
18/25
Stability
11/20
Timing
6/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.2× the median income
Value Trend
Stable (+0.9%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,060/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
Nacogdoches, TX Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
6.1%
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 Nacogdoches, TX metro data

Market Trends

Home Value History (with trend line)

$206K$187K$168K$149K$130K$110KFeb 2009Nov 2017Jul 2026

Rent History (with trend line)

$1,077$1,027$977$928$878$828Sep 2025Mar 2026Jul 2026

📊 How Does 75961 Compare?

Metric 75961 Nacogdoches Nacogdoches, TX Texas
Home Value $199,443 $169,585 N/A $297,000
5-Year CAGR 3.3% 3.9% N/A 5.4%
Avg Rent $1,060 $1,209 N/A -
Cap Rate 4.2% 4.4% - -
💡 Why Invest in 75961? Click to expand

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

51% of households rent in this area, creating consistent tenant demand for landlords.

📊 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 75961 (Nacogdoches, TX). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.2%
Fair
5yr Growth
+3.3%
Moderate

📉 Market Crash Risk Index

Based on Nacogdoches, TX metro

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

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $199,443
Monthly Rent $1,060
Price-to-Rent 15.7:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.4%
Cap Rate 4.2%
5-Year IRR 7.5%

📈 Home Appreciation

1-Year +0.9% ▲
3-Year CAGR +0.4% ▲
5-Year CAGR +3.3% ▲
10-Year CAGR +4.6% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.2%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.2%). 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
17.0%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+3.3%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 75961

Population: 14,875

💰 Median Household Income
$38,547
This area
$38,547
State
$70,593
USA
$74,580
🏠 Renter Occupied
51.2%
This area
51.2%
State
29.5%
USA
34.0%
💼 Unemployment Rate
4.5%
This area
4.5%
State
-25.4%
USA
3.7%
🎓 College Educated
17.8%
This area
17.8%
State
-5.8%
USA
33.7%
👤 Median Age
31.6 years
This area
31.6 years
State
-3.7 years
USA
38.9 years
🏚️ Vacancy Rate
17.0%
This area
17.0%
State
18.3%
USA
10.5%
👥 Population by Ethnicity
White 55.4%
Black/African American 32.3%
Other/Mixed 12.1%
Hispanic/Latino 9.5%
Asian 0.2%
👶 Under 18
24.2%
This area
24.2%
USA
22.0%
👴 65 and Over
13.9%
This area
13.9%
USA
17.3%
📊 Poverty Rate
23.4%
This area
23.4%
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 75961

A Avg School Grade
6 Schools
12.4:1 Avg Class Size
$15,899 Avg Per Pupil

Schools in This ZIP Code

A Very Good

EMELINE CARPENTER EL

📚 K – 05 Elementary
👥
357 Students
👨‍🏫
11.4:1 Class Size
💰
$15,870 Per Student
A Very Good

MARTINSVILLE SCHOOL

📚 Pre-K – 12 K-12
👥
317 Students
👨‍🏫
9.2:1 Class Size
💰
$16,046 Per Student
A Very Good

THOMAS J RUSK EL

📚 K – 05 Elementary
👥
466 Students
👨‍🏫
12.0:1 Class Size
💰
$15,870 Per Student
A Very Good

MIKE MOSES EL

📚 K – 05 Elementary
👥
506 Students
👨‍🏫
14.1:1 Class Size
💰
$15,870 Per Student
A Very Good

RAGUET EL

📚 K – 05 Elementary
👥
444 Students
👨‍🏫
12.3:1 Class Size
💰
$15,870 Per Student
B Good

MCMICHAEL MIDDLE

📚 06 – 08 Middle
👥
1,338 Students
👨‍🏫
15.4:1 Class Size
💰
$15,870 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 849 Off-Campus Students
C+
Stephen F Austin State University
10,888 students · 9.2 mi

Investor Insight: With 849 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What are rental rates like in Nacogdoches, TX?

Rental rates in Nacogdoches, TX average $1,060/mo. Tenant demand and $199K home values make the yield look reasonable by investor standards.

Are landlord laws favorable in Nacogdoches, TX?

Nacogdoches, TX operates under TX law, which is landlord-friendly overall for landlords. Expect predictable treatment in typical lease and eviction cases.

Do rentals sit vacant long in Nacogdoches, TX?

Rental vacancy in Nacogdoches, TX is elevated. Investors should budget normal turnover but not chronic empty units.

What strategy should investors use in Nacogdoches, TX?

A careful cash-flow rentals with hands-on management strategy Nacogdoches, TX best. The market produces stable results for that approach at the $199K price point.

What is the investability score for Nacogdoches, TX?

Yes - Nacogdoches, TX a 3.0/5 investability score. With $199K home prices against $1,060/mo monthly rent, the market delivers a reasonable entry point for new investors.

You know 75961 now. You don’t know where it ranks.

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How 75961 ranks in Nacogdoches, TX

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