Real Estate Investing in Copperas Cove, Texas (76539)

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

Lampasas County • Population: 8,642 • Data updated: September 2026

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Should you buy in 76539 (Copperas Cove, TX)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (56/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 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
1 flag
  • High vacancy: 15.7% of homes vacant — above national norms.

What’s happening in Copperas Cove, TX (76539)?

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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 $369,382
Avg Monthly Rent $1,950
1% Rule ✗ Does Not Meet
Median Income $82,053
% Renters 7.6%

Market Analysis: 76539 Copperas Cove

This part of Lampasas County is not an easy win. The 76539 ZIP records softness in key indicators, and the playbook that works in cleaner markets often stalls here.

Distressed markets are won on execution, not on spreadsheets. ZIP 76539 clocks in at the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

Regionally, 76539 sits on the difficult end of the TX spectrum. The a strong candidate for read — for disciplined operators — is that pricing reflects the difficulty.

The demographic picture in 76539 includes headwinds that any investor should price in. Income distribution skews lower than Copperas Cove averages, and tenant stability requires active management.

The right play in 76539 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 Copperas Cove:

C+ Average
Buy Confidence Score: 67/100
Affordability
15/25
Appreciation
18/25
Stability
9/20
Timing
10/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.5× the median income
Value Trend
Rising (+4.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,950/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 76539

Which property type performs best in this market?

Best for Cash Flow
3BR
3.7% cap rate
Best for Appreciation
3BR
+8.0% 5yr CAGR
Best Overall Value
4BR
$98,403/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
3BR $320,221 $1,640 3.7% +8.0% $106,740
4BR $393,611 $1,980 3.6% +7.7% $98,403

Market Trends

Home Value History (with trend line)

$385K$339K$292K$246K$199K$152KOct 2008Sep 2017Jul 2026

Rent History (with trend line)

No data available

📊 How Does 76539 Compare?

Metric 76539 Copperas Cove Killeen-Temple, TX Texas
Home Value $369,382 $297,660 N/A $297,000
5-Year CAGR 4.6% 4.7% N/A 5.4%
Avg Rent $1,950 $1,595 N/A -
Cap Rate 4.1% 4.2% - -
💡 Why Invest in 76539? 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 →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 76539 (Copperas Cove, TX). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.1%
Fair
5yr Growth
+4.6%
Moderate

📊 Market Snapshot

Home Value $369,382
Monthly Rent $1,950
Price-to-Rent 15.8:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.3%
Cap Rate 4.1%
5-Year IRR 8.7%

📈 Home Appreciation

1-Year +4.1% ▲
3-Year CAGR +1.5% ▲
5-Year CAGR +4.6% ▲
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: 4.1%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.1%). 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
15.7%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+4.6%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 76539

Population: 8,642

💰 Median Household Income
$82,053
This area
$82,053
State
$70,593
USA
$74,580
🏠 Renter Occupied
7.6%
This area
7.6%
State
29.5%
USA
34.0%
💼 Unemployment Rate
2.6%
This area
2.6%
State
-25.4%
USA
3.7%
🎓 College Educated
20.1%
This area
20.1%
State
-5.8%
USA
33.7%
👤 Median Age
44.8 years
This area
44.8 years
State
-3.7 years
USA
38.9 years
🏚️ Vacancy Rate
15.7%
This area
15.7%
State
18.3%
USA
10.5%
👥 Population by Ethnicity
White 72.5%
Other/Mixed 15.4%
Black/African American 11.3%
Hispanic/Latino 10.3%
Asian 0.8%
👶 Under 18
20.6%
This area
20.6%
USA
22.0%
👴 65 and Over
17.9%
This area
17.9%
USA
17.3%
📊 Poverty Rate
5.6%
This area
5.6%
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

🎓 Nearby Colleges & Universities

2 Nearby 3,931 Off-Campus Students
C
Central Texas College
8,192 students · 11.3 mi
C+
Texas A&M University-Central Texas
2,255 students · 13.5 mi

Investor Insight: With 3,931 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Is vacancy a concern in Copperas Cove, TX?

Rental vacancy in Copperas Cove, TX is elevated. Investors should budget normal turnover but not chronic empty units.

Where do rents currently stand in Copperas Cove, TX?

Investors in Copperas Cove, TX typically see rents near $1,950/mo per month against $369K home values - a solid setup for rental cash flow.

Are renters plentiful in Copperas Cove, TX?

Copperas Cove, TX draws a stable base of working renters. Demand at the $1,950/mo rent level is reasonable for standard single-family and small multi rentals.

What type of investing works in Copperas Cove, TX?

Investors usually favor careful cash-flow rentals with hands-on management in Copperas Cove, TX. With home values at $369K and rents near $1,950/mo, other strategies can work but produce steady rather than outsized returns.

How much should I expect to pay for a home in Copperas Cove, TX?

Expect median prices around $369K in Copperas Cove, TX. The market has run at a 0.0% 5-year CAGR, so entry costs have been stable.

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How 76539 ranks in Killeen-Temple, TX

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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