Real Estate Investing in Copperas Cove, Texas (76522)

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

Coryell County • Population: 41,895 • Data updated: September 2026

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Should you buy in 76522 (Copperas Cove, TX)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (75/100)

Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.

📈 For Investors
MIXED
3.0 / 5 (52/100)

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
CLEAN

No major risk flags on the data we track.

What’s happening in Copperas Cove, TX (76522)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $225,938
Avg Monthly Rent $1,240
1% Rule ✗ Does Not Meet
Median Income $65,760
% Renters 40.2%

Market Analysis: 76522 Copperas Cove

This part of Coryell County is not an easy win. The 76522 ZIP registers softness in key indicators, and the playbook that works in cleaner markets often stalls here.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $226K asset, 76522 is the wrong submarket. If the plan prices in friction, the yield can still work.

Looking more closely, 76522 offers a low basis, the region around Copperas Cove has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.

Who lives in 76522 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

New investors are better served looking at Copperas Cove's stable or hybrid ZIPs before stepping into 76522. 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 Copperas Cove:

B Good
Buy Confidence Score: 76/100
Affordability
20/25
Appreciation
18/25
Stability
13/20
Timing
10/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.4× the median income
Value Trend
Stable (+2.4%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,240/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
Killeen-Temple, TX Metro Area
More inventory, negotiating room for buyers
86 days
Average time to sell
Slow
8.0%
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 Killeen-Temple, TX metro data
🏠

Property Strategy for 76522

Which property type performs best in this market?

Best for Cash Flow
2BR
7.2% cap rate
Best for Appreciation
3BR
+9.0% 5yr CAGR
Best Overall Value
2BR
$58,681/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $117,362 $1,180 7.2% +8.5% $58,681
3BR $188,738 $1,640 6.3% +9.0% $62,913
4BR $270,979 $1,980 5.3% +7.3% $67,745
5BR $333,126 +6.2% $66,625

Market Trends

Home Value History (with trend line)

$237K$210K$184K$157K$130K$103KJan 2009Oct 2017Jul 2026

Rent History (with trend line)

$1,358$1,236$1,114$991$869$746Jul 2016Jul 2021Jul 2026

📊 How Does 76522 Compare?

Metric 76522 Copperas Cove Killeen-Temple, TX Texas
Home Value $225,938 $297,660 N/A $297,000
5-Year CAGR 4.8% 4.7% N/A 5.4%
Avg Rent $1,240 $1,595 N/A -
Cap Rate 4.3% 4.2% - -
💡 Why Invest in 76522? Click to expand

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

A healthy rental market with 40% renter-occupied households ensures tenant availability.

📊 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 76522 (Copperas Cove, TX). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.3%
Fair
5yr Growth
+4.8%
Moderate

📊 Market Snapshot

Home Value $225,938
Monthly Rent $1,240
Price-to-Rent 15.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.6%
Cap Rate 4.3%
5-Year IRR 9.1%

📈 Home Appreciation

1-Year +2.4% ▲
3-Year CAGR +0.2% ▲
5-Year CAGR +4.8% ▲
10-Year CAGR +6.6% ▲

🏠 Rent Trends

1-Year -5.3% ▼
3-Year CAGR -1.1% ▼
5-Year CAGR +3.2% ▲
Negative Leverage — IRR / Tax Play Cap Rate: 4.3%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.3%). 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
6.4%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+4.8%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 76522

Population: 41,895

💰 Median Household Income
$65,760
This area
$65,760
State
$70,593
USA
$74,580
🏠 Renter Occupied
40.2%
This area
40.2%
State
29.5%
USA
34.0%
💼 Unemployment Rate
4.2%
This area
4.2%
State
-25.4%
USA
3.7%
🎓 College Educated
20.0%
This area
20.0%
State
-5.8%
USA
33.7%
👤 Median Age
33.2 years
This area
33.2 years
State
-3.7 years
USA
38.9 years
🏚️ Vacancy Rate
6.4%
This area
6.4%
State
18.3%
USA
10.5%
👥 Population by Ethnicity
White 61.4%
Other/Mixed 21.5%
Black/African American 14.8%
Hispanic/Latino 11.1%
Asian 2.3%
👶 Under 18
26.1%
This area
26.1%
USA
22.0%
👴 65 and Over
11.6%
This area
11.6%
USA
17.3%
📊 Poverty Rate
7.0%
This area
7.0%
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 76522

B Avg School Grade
13 Schools
13.8:1 Avg Class Size
$13,529 Avg Per Pupil

Schools in This ZIP Code

A Very Good

MARTIN WALKER EL

📚 K – 05 Elementary
👥
393 Students
👨‍🏫
11.5:1 Class Size
💰
$13,806 Per Student
B+ Above Average

FAIRVIEW/MISS JEWELL EL

📚 K – 05 Elementary
👥
504 Students
👨‍🏫
14.0:1 Class Size
💰
$13,806 Per Student
B+ Above Average

HETTIE HALSTEAD EL

📚 K – 05 Elementary
👥
399 Students
👨‍🏫
12.4:1 Class Size
💰
$13,806 Per Student
B+ Above Average

HOUSE CREEK EL

📚 K – 05 Elementary
👥
579 Students
👨‍🏫
13.4:1 Class Size
💰
$13,806 Per Student
B+ Above Average

J L WILLIAMS/LOVETT LEDGER EL

📚 K – 05 Elementary
👥
697 Students
👨‍🏫
14.3:1 Class Size
💰
$13,806 Per Student
B+ Above Average

TAYLOR CREEK EL

📚 Pre-K – 05 Elementary
👥
501 Students
👨‍🏫
12.5:1 Class Size
💰
$13,155 Per Student
B+ Above Average

COPPERAS COVE J H

📚 06 – 08 Middle
👥
842 Students
👨‍🏫
12.6:1 Class Size
💰
$13,806 Per Student
B+ Above Average

S C LEE J H

📚 06 – 08 Middle
👥
929 Students
👨‍🏫
13.9:1 Class Size
💰
$13,806 Per Student
B Good

MAE STEVENS EARLY LEARNING ACADEMY

📚 Grade PK Elementary
👥
382 Students
👨‍🏫
16.5:1 Class Size
💰
$13,806 Per Student
B Good

C R CLEMENTS/HOLLIE PARSONS EL

📚 K – 05 Elementary
👥
826 Students
👨‍🏫
15.0:1 Class Size
💰
$13,806 Per Student
C+ Average

COPPERAS COVE H S

📚 09 – 12 High School
👥
2,273 Students
👨‍🏫
13.6:1 Class Size
💰
$13,806 Per Student
C+ Average

PRIORITY CHARTER SCHOOLS COPPERAS COVE

📚 Pre-K – 12 K-12 Charter
👥
246 Students
👨‍🏫
12.5:1 Class Size
💰
$10,858 Per Student
C+ Average

CROSSROADS H S

📚 10 – 12 High School
👥
135 Students
👨‍🏫
16.8:1 Class Size
💰
$13,806 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 3,555 Off-Campus Students
C
Central Texas College
8,192 students · 11.6 mi

Investor Insight: With 3,555 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Are rents high in Copperas Cove, TX?

Rental rates in Copperas Cove, TX average $1,240/mo. Tenant demand and $226K home values make the yield look reasonable by investor standards.

How qualified is the tenant pool in Copperas Cove, TX?

Copperas Cove, TX draws a even-keeled base of working renters. Demand at the $1,240/mo rent level is reasonable for standard single-family and small multi rentals.

What are vacancy rates like in Copperas Cove, TX?

Vacancy risk in Copperas Cove, TX is elevated. That supports measured cash flow for typical rental holds.

How strict are landlord regulations in Copperas Cove, TX?

For rental operators, Copperas Cove, TX rates as landlord-friendly. The regulatory environment standard buy-and-hold operations.

What strategy should investors use in Copperas Cove, TX?

Most investors in Copperas Cove, 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.

You know 76522 now. You don’t know where it ranks.

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How 76522 ranks in Killeen-Temple, TX

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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