Real Estate Investing in Henrietta, Texas (76365)

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

Clay County • Population: 4,668 • Data updated: September 2026

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Should you buy in 76365 (Henrietta, TX)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (53/100)

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

📈 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: 18.2% 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 Henrietta, TX (76365)?

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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 $187,227
Avg Monthly Rent $900
1% Rule ✗ Does Not Meet
Median Income $62,397
% Renters 22.7%

Market Analysis: 76365 Henrietta

This part of Clay County is not an easy win. The 76365 ZIP registers softness in key indicators, and the playbook that works in cleaner markets often stalls here.

In practical terms, the numbers look inviting — $187K purchase price, 0.0% nominal cap — the work to hit that pro forma in 76365 is substantial and deserves full respect.

Regionally, 76365 sits on the difficult end of the TX spectrum. The a strong candidate for read — for disciplined operators — is that pricing reflects the difficulty.

Demographically, 76365 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.

New investors are better served looking at Henrietta's stable or hybrid ZIPs before stepping into 76365. 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 Henrietta:

B Good
Buy Confidence Score: 70/100
Affordability
20/25
Appreciation
18/25
Stability
7/20
Timing
10/15
Rental backup
15/15
Affordability
Affordable
Homes cost 3× the median income
Value Trend
Rising (+5.2%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $900/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
Wichita Falls, TX Metro Area
More inventory, negotiating room for buyers
78 days
Average time to sell
Slow
7.8%
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 Wichita Falls, TX metro data

Market Trends

Home Value History (with trend line)

$203K$182K$162K$141K$120K$99KJan 2011Oct 2018Jul 2026

📊 How Does 76365 Compare?

Metric 76365 Henrietta Wichita Falls, TX Texas
Home Value $187,227 $187,227 N/A $297,000
5-Year CAGR 3.3% 3.3% N/A 5.4%
Avg Rent $900 $900 N/A -
Cap Rate 3.8% 3.8% - -
💡 Why Invest in 76365? 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 76365 (Henrietta, TX). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.8%
Low
5yr Growth
+3.3%
Moderate

📉 Market Crash Risk Index

Based on Wichita Falls, TX metro

3/10
Moderate Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
1/3
51%
Days Pending
2/2
78 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $187,227
Monthly Rent $900
Price-to-Rent 17.3:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.8%
Cap Rate 3.8%
5-Year IRR 7.1%

📈 Home Appreciation

1-Year +5.2% ▲
3-Year CAGR +0.1% ▲
5-Year CAGR +3.3% ▲
10-Year CAGR +4.8% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.8%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.8%). 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
18.2%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+3.3%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 76365

Population: 4,668

💰 Median Household Income
$62,397
This area
$62,397
State
$70,593
USA
$74,580
🏠 Renter Occupied
22.7%
This area
22.7%
State
29.5%
USA
34.0%
💼 Unemployment Rate
0.5%
This area
0.5%
State
-25.4%
USA
3.7%
🎓 College Educated
28.3%
This area
28.3%
State
-5.8%
USA
33.7%
👤 Median Age
45.5 years
This area
45.5 years
State
-3.7 years
USA
38.9 years
🏚️ Vacancy Rate
18.2%
This area
18.2%
State
18.3%
USA
10.5%
👥 Population by Ethnicity
White 91.0%
Other/Mixed 7.8%
Hispanic/Latino 3.0%
Asian 1.0%
Black/African American 0.2%
👶 Under 18
21.4%
This area
21.4%
USA
22.0%
👴 65 and Over
24.4%
This area
24.4%
USA
17.3%
📊 Poverty Rate
3.4%
This area
3.4%
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 76365

A Avg School Grade
4 Schools
10.1:1 Avg Class Size
$17,653 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

MIDWAY SCHOOL

📚 Pre-K – 12 K-12
👥
137 Students
👨‍🏫
8.0:1 Class Size
💰
$26,916 Per Student
A Very Good

HENRIETTA H S

📚 09 – 12 High School
👥
295 Students
👨‍🏫
9.5:1 Class Size
💰
$14,565 Per Student
A Very Good

HENRIETTA MIDDLE

📚 06 – 08 Middle
👥
216 Students
👨‍🏫
10.4:1 Class Size
💰
$14,565 Per Student
A Very Good

HENRIETTA EL

📚 Pre-K – 05 Elementary
👥
443 Students
👨‍🏫
12.3:1 Class Size
💰
$14,565 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

What is the average monthly rent in Henrietta, TX?

Expect rents around $900/mo per month in Henrietta, TX. With home values at $187K, the yield math works out to reasonable levels for rental investors.

What are home prices like in Henrietta, TX?

Median home price in Henrietta, TX is near $187K, with a 5-year CAGR of 0.0%. Prices have been reliable and supportive of buy-and-hold strategies.

What real estate strategy is ideal for Henrietta, TX?

Henrietta, TX investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($187K prices, $900/mo rents) make it a reasonable choice.

Is rental property easy to operate in Henrietta, TX?

The landlord environment in Henrietta, TX is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.

How does Henrietta, TX stack up for property investment?

Yes - Henrietta, TX a 3.0/5 investability score. With $187K home prices against $900/mo monthly rent, the market delivers a reasonable entry point for new investors.

You know 76365 now. You don’t know where it ranks.

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How 76365 ranks in Wichita Falls, TX

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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