Real Estate Investing in Cross Plains, Texas (76443)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 76443 (Cross Plains, TX)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.
- High vacancy: 20.2% of homes vacant — above national norms.
- Flat appreciation: Values have barely moved over 5 years (0.5% CAGR).
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Cross Plains, TX (76443)?
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Market Analysis: 76443 Cross Plains
ZIP 76443 in Cross Plains, TX carries a impressive set of headwinds. Home values near $197K and rents of $981/mo sit inside a market where underwriting has to be tight.
Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 76443 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.
Stepping back, 76443 offers a low basis, the region around Cross Plains has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.
Demographically, 76443 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.
Distressed ZIPs reward experience. robust returns are possible in 76443, but they flow to investors who already understand how to operate in soft markets.
Here's what matters if you're considering buying a home in Cross Plains:
Market Trends
Home Value History (with trend line)
📊 How Does 76443 Compare?
| Metric | 76443 | Cross Plains | Abilene, TX | Texas |
|---|---|---|---|---|
| Home Value | $196,663 | $196,663 | N/A | $297,000 |
| 5-Year CAGR | 0.5% | 0.5% | N/A | 5.4% |
| Avg Rent | $981 | $981 | N/A | - |
| Cap Rate | 3.9% | 3.9% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 76443 (Cross Plains, TX). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $196,663 |
| Monthly Rent | $981 |
| Price-to-Rent | 16.7:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.0% |
| Cap Rate | 3.9% |
| 5-Year IRR | 4.4% |
📈 Home Appreciation
| 1-Year | +6.0% ▲ |
| 3-Year CAGR | +3.9% ▲ |
| 5-Year CAGR | +0.5% ▲ |
| 10-Year CAGR | +2.3% ▲ |
🏠 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 (3.9%). 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 76443
Population: 1,812
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 76443
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
Is TX a landlord-friendly state?
The landlord environment in Cross Plains, TX is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.
What is the tenant pool like in Cross Plains, TX?
The tenant pool in Cross Plains, TX is solid, supported by local employment and population fundamentals. Rents of $981/mo are well-absorbed by the market.
What is the typical home price in Cross Plains, TX?
In Cross Plains, TX the median home value sits at $197K. Against the broader TX market, that reads as reasonable for most investors.
Should investors worry about vacancy in Cross Plains, TX?
Vacancy in Cross Plains, TX is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $981/mo.
How viable is house hacking in Cross Plains, TX?
House hacking in Cross Plains, TX is a challenging. With home values around $197K and rents at $981/mo, owner-occupants can offset a meaningful share of PITI.
You know 76443 now. You don’t know where it ranks.
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