Real Estate Investing in Tioga, Texas (76271)

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

Grayson County • Population: 1,864 • Data updated: September 2026

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Should you buy in 76271 (Tioga, TX)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (63/100)

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
CLEAN

No major risk flags on the data we track.

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

What’s happening in Tioga, TX (76271)?

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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 $388,178
Avg Monthly Rent $1,710
1% Rule ✗ Does Not Meet
Median Income $77,750
% Renters 20.1%

Market Analysis: 76271 Tioga

Not every below-median market is a bargain. Tioga's 76271 ZIP records signals that favor experienced operators who can absorb the risk $388K pricing implies.

The investment case in 76271 is robust only for operators who understand what they are buying. A $388K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

In practical terms, 76271 offers a low basis, the region around Tioga has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.

The 76271 ZIP's population of 1,864 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that reflects the need for careful underwriting.

trends toward 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 Tioga:

C+ Average
Buy Confidence Score: 60/100
Affordability
10/25
Appreciation
18/25
Stability
7/20
Timing
10/15
Rental backup
15/15
Affordability
Moderate
Homes cost 5× the median income
Value Trend
Declining (-0.7%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,710/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
Sherman-Denison, TX Metro Area
More inventory, negotiating room for buyers
97 days
Average time to sell
Slow
8.9%
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 Sherman-Denison, TX metro data

Market Trends

Home Value History (with trend line)

$423K$358K$294K$229K$165K$100KJan 2012May 2019Jul 2026

📊 How Does 76271 Compare?

Metric 76271 Tioga Sherman-Denison, TX Texas
Home Value $388,178 $388,178 N/A $297,000
5-Year CAGR 4.3% 4.3% N/A 5.4%
Avg Rent $1,710 $1,710 N/A -
Cap Rate 3.4% 3.4% - -
💡 Why Invest in 76271? 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 76271 (Tioga, TX). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.4%
Low
5yr Growth
+4.3%
Moderate

📊 Market Snapshot

Home Value $388,178
Monthly Rent $1,710
Price-to-Rent 18.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.3%
Cap Rate 3.4%
5-Year IRR 7.7%

📈 Home Appreciation

1-Year -0.7% ▼
3-Year CAGR +0.2% ▲
5-Year CAGR +4.3% ▲
10-Year CAGR +7.6% ▲

🏠 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
5.8%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+4.3%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 76271

Population: 1,864

💰 Median Household Income
$77,750
This area
$77,750
State
$70,593
USA
$74,580
🏠 Renter Occupied
20.1%
This area
20.1%
State
29.5%
USA
34.0%
💼 Unemployment Rate
1.6%
This area
1.6%
State
-25.4%
USA
3.7%
🎓 College Educated
29.6%
This area
29.6%
State
-5.8%
USA
33.7%
👤 Median Age
44.2 years
This area
44.2 years
State
-3.7 years
USA
38.9 years
🏚️ Vacancy Rate
5.8%
This area
5.8%
State
18.3%
USA
10.5%
👥 Population by Ethnicity
White 94.2%
Other/Mixed 5.4%
Hispanic/Latino 3.3%
Asian 0.5%
👶 Under 18
19.6%
This area
19.6%
USA
22.0%
👴 65 and Over
17.0%
This area
17.0%
USA
17.3%
📊 Poverty Rate
8.1%
This area
8.1%
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 76271

A Avg School Grade
1 Schools
14.6:1 Avg Class Size
$15,364 Avg Per Pupil

Schools in This ZIP Code

A Very Good

TIOGA SCHOOL

📚 Pre-K – 12 K-12
👥
688 Students
👨‍🏫
14.6:1 Class Size
💰
$15,364 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

How much rent can I charge in Tioga, TX?

Rental rates in Tioga, TX average $1,710/mo. Tenant demand and $388K home values make the yield look reasonable by investor standards.

How expensive is real estate in Tioga, TX?

Homes in Tioga, TX typically sell near $388K. Prices have moved at a 0.0% 5-year CAGR, which predictable long-term demand.

Which investment style suits Tioga, TX?

Most investors in Tioga, TX run a careful cash-flow rentals with hands-on management strategy. It aligns with the 3.0/5 investability profile and the market fundamentals.

How strong is tenant demand in Tioga, TX?

The tenant pool in Tioga, TX is solid, supported by local employment and population fundamentals. Rents of $1,710/mo are well-absorbed by the market.

Should investors consider Tioga, TX?

Tioga, TX reports an investability rating of 3.0/5, with median home values near $388K and average rents around $1,710/mo. That combination puts it in the sturdy tier for investor interest.

You know 76271 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 76271 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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How 76271 ranks in Sherman-Denison, TX

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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