Real Estate Investing in Albany, Texas (76430)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 76430 (Albany, TX)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
- High vacancy: 13.5% of homes vacant — above national norms.
- Declining values: -2.4% 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 Albany, TX (76430)?
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Market Analysis: 76430 Albany
Investors eyeing 76430 need to respect the fundamentals at play. Home values of $169K come alongside slower price movement and elevated management overhead.
The 76430 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
Regionally, 76430 sits on the difficult end of the TX spectrum. The a strong candidate for read — for disciplined operators — is that pricing reflects the difficulty.
Employment concentration in 76430 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.
The right play in 76430 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.
Here's what matters if you're considering buying a home in Albany:
Market Trends
Home Value History (with trend line)
📊 How Does 76430 Compare?
| Metric | 76430 | Albany | Texas |
|---|---|---|---|
| Home Value | $168,680 | $168,680 | $297,000 |
| 5-Year CAGR | N/A | N/A | 5.4% |
| Avg Rent | $873 | $873 | - |
| Cap Rate | 4.0% | 4.0% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 76430 (Albany, TX). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $168,680 |
| Monthly Rent | $873 |
| Price-to-Rent | 16.1:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.2% |
| Cap Rate | 4.0% |
| 5-Year IRR | 1.6% |
📈 Home Appreciation
| 1-Year | +5.7% ▲ |
| 3-Year CAGR | -3.3% ▼ |
| 5-Year CAGR | -2.4% ▼ |
| 10-Year CAGR | +1.8% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
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.
Demographics in 76430
Population: 2,383
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 76430
Schools in This ZIP Code
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 strong are rents in Albany, TX?
Investors in Albany, TX typically see rents near $873/mo per month against $169K home values - a solid setup for rental cash flow.
How do landlord-tenant laws work in Albany, TX?
TX law landlord-friendly for landlords, and Albany inherits those rules. Investors should still review local ordinances for rental licensing.
How should investors approach Albany, TX?
Most investors in Albany, 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 deep is the rental pool in Albany, TX?
The tenant pool in Albany, TX is solid, supported by local employment and population fundamentals. Rents of $873/mo are well-absorbed by the market.
Should investors consider Albany, TX?
The 3.0/5 investability rating in Albany, TX reflects its $169K prices and $873/mo rents. Investors generally consider it a solid option within TX.
You know 76430 now. You don’t know where it ranks.
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