Real Estate Investing in Temple, Texas (76519)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 76519 (Temple, TX)? Our answer, based on the numbers below.
Multiple negative signals. Better options likely exist nearby.
Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.
- High vacancy: 50.1% of homes vacant — above national norms.
- High price-to-rent: Price-to-rent ratio 30.1 — hard to cash-flow at these prices.
• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Temple, TX (76519)?
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Market Analysis: 76519 Temple
ZIP 76519 in Temple, TX carries a durable set of headwinds. Home values near $345K and rents of $954/mo sit inside a market where underwriting has to be tight.
The 76519 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
Nearby ZIPs in Temple have seen price recovery that 76519 has not matched. Bell County data supports the view that the spread is structural rather than temporary.
Resident income in 76519 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.
Distressed ZIPs reward experience. significant returns are possible in 76519, 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 Temple:
Market Trends
Home Value History (with trend line)
📊 How Does 76519 Compare?
| Metric | 76519 | Temple | Killeen-Temple, TX | Texas |
|---|---|---|---|---|
| Home Value | $345,059 | $250,809 | N/A | $297,000 |
| 5-Year CAGR | N/A | 2.8% | N/A | 5.4% |
| Avg Rent | $954 | $1,292 | N/A | - |
| Cap Rate | 2.2% | 4.3% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 76519 (Temple, TX). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $345,059 |
| Monthly Rent | $954 |
| Price-to-Rent | 30.1:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.3% |
| Cap Rate | 2.2% |
| 5-Year IRR | 3.1% |
📈 Home Appreciation
| 1-Year | +6.9% ▲ |
| 3-Year CAGR | +1.0% ▲ |
| 5-Year CAGR | N/A |
| 10-Year CAGR | N/A |
🏠 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 (2.2%). 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 76519
Population: 672
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
Frequently Asked Questions
How do experienced investors play Temple, TX?
The best-fit strategy in Temple, TX is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.
Should investors worry about vacancy in Temple, TX?
Vacancy in Temple, TX is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $954/mo.
What is the typical rental rate in Temple, TX?
Investors in Temple, TX typically see rents near $954/mo per month against $345K home values - a solid setup for rental cash flow.
How strict are landlord regulations in Temple, TX?
Rental owners in Temple, TX deal with a landlord-friendly legal framework. Most standard eviction processes run on reasonable timelines.
Is housing expensive in Temple, TX?
Temple, TX median home values land near $345K. That is reasonable territory for investors looking at $954/mo-per-month rentals.
You know 76519 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 76519 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.
How 76519 ranks in Killeen-Temple, TX
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