Real Estate Investing in Dublin, Texas (76446)

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

Erath County • Population: 8,144 • Data updated: September 2026

☆ Watch this market Free account

Should you buy in 76446 (Dublin, TX)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (52/100)

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: 19.2% 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 Dublin, TX (76446)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $293,134
Avg Monthly Rent $1,071
1% Rule ✗ Does Not Meet
Median Income $57,321
% Renters 16.6%

Market Analysis: 76446 Dublin

Investors eyeing 76446 need to respect the fundamentals at play. Home values of $293K come alongside slower price movement and elevated management overhead.

Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 76446 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.

Statewide comparisons place 76446 among TX's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

Who lives in 76446 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

The right play in 76446 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 Dublin:

C+ Average
Buy Confidence Score: 62/100
Affordability
10/25
Appreciation
22/25
Stability
9/20
Timing
6/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.1× the median income
Value Trend
Rising (+5.8%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,071/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
Stephenville, TX Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
6.9%
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 Stephenville, TX metro data
🏠

Property Strategy for 76446

Which property type performs best in this market?

Best for Cash Flow
2BR
4.2% cap rate
Best for Appreciation
2BR
+10.7% 5yr CAGR
Best Overall Value
3BR
$97,531/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $204,128 $1,190 4.2% +10.7% $102,064
3BR $292,594 $1,660 4.1% +10.0% $97,531

Market Trends

Home Value History (with trend line)

$314K$271K$228K$186K$143K$100KFeb 2009Nov 2017Jul 2026

📊 How Does 76446 Compare?

Metric 76446 Dublin Stephenville, TX Texas
Home Value $293,134 $293,134 N/A $297,000
5-Year CAGR 5.2% 5.2% N/A 5.4%
Avg Rent $1,071 $1,071 N/A -
Cap Rate 2.9% 2.9% - -
💡 Why Invest in 76446? Click to expand

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

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 76446 (Dublin, TX). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.9%
Low
5yr Growth
+5.2%
Moderate

📉 Market Crash Risk Index

Based on Stephenville, TX metro

2/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
2/3
65%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $293,134
Monthly Rent $1,071
Price-to-Rent 22.8:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.4%
Cap Rate 2.9%
5-Year IRR 8.0%

📈 Home Appreciation

1-Year +5.8% ▲
3-Year CAGR +1.6% ▲
5-Year CAGR +5.2% ▲
10-Year CAGR +7.0% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.9%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.9%). 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.

Vacancy
19.2%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.2%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 76446

Population: 8,144

💰 Median Household Income
$57,321
This area
$57,321
State
$70,593
USA
$74,580
🏠 Renter Occupied
16.6%
This area
16.6%
State
29.5%
USA
34.0%
💼 Unemployment Rate
1.2%
This area
1.2%
State
-25.4%
USA
3.7%
🎓 College Educated
22.2%
This area
22.2%
State
-5.8%
USA
33.7%
👤 Median Age
39.5 years
This area
39.5 years
State
-3.7 years
USA
38.9 years
🏚️ Vacancy Rate
19.2%
This area
19.2%
State
18.3%
USA
10.5%
👥 Population by Ethnicity
White 77.1%
Other/Mixed 22.8%
Hispanic/Latino 21.5%
👶 Under 18
24.9%
This area
24.9%
USA
22.0%
👴 65 and Over
18.1%
This area
18.1%
USA
17.3%
📊 Poverty Rate
12.5%
This area
12.5%
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 76446

B+ Avg School Grade
3 Schools
12.5:1 Avg Class Size
$13,578 Avg Per Pupil

Schools in This ZIP Code

A Very Good

DUBLIN H S

📚 07 – 12 High School
👥
482 Students
👨‍🏫
10.2:1 Class Size
💰
$13,578 Per Student
B+ Above Average

DUBLIN EL

📚 Pre-K – 03 Elementary
👥
415 Students
👨‍🏫
14.9:1 Class Size
💰
$13,578 Per Student
B+ Above Average

DUBLIN INT

📚 04 – 06 School
👥
249 Students
👨‍🏫
12.5:1 Class Size
💰
$13,578 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
C+
Tarleton State University
15,937 students · 12.6 mi

Frequently Asked Questions

Where do home prices stand in Dublin, TX?

Dublin, TX median home values land near $293K. That is reasonable territory for investors looking at $1,071/mo-per-month rentals.

Does a duplex house hack pencil in Dublin, TX?

For house hackers, Dublin, TX is a challenging. The $1,071/mo rent on a unit helps defray the mortgage on a $293K property.

What type of investing works in Dublin, TX?

Investors usually favor careful cash-flow rentals with hands-on management in Dublin, TX. With home values at $293K and rents near $1,071/mo, other strategies can work but produce consistent rather than outsized returns.

Does Dublin, TX favor landlords or tenants?

Rental owners in Dublin, TX deal with a landlord-friendly legal framework. Most standard eviction processes run on reasonable timelines.

What monthly rent should investors expect in Dublin, TX?

Average rent in Dublin, TX is approximately $1,071/mo per month. Against $293K home values that yields a reasonable rent-to-price ratio.

You know 76446 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 76446 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 76446 ranks in Stephenville, TX

Every ZIP in this metro, ranked. Free.

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