Real Estate Investing in Troy, Texas (76579)
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Should you buy in 76579 (Troy, TX)? Our answer, based on the numbers below.
Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
No major risk flags on the data we track.
What’s happening in Troy, TX (76579)?
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Market Analysis: 76579 Troy
The 76579 ZIP covers a section of Troy that demands careful diligence. Prices near $256K look accessible, but the work to make a deal cash flow is real.
The investment case in 76579 is significant only for operators who understand what they are buying. A $256K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.
Within TX, ZIP 76579 trails on several market indicators that neighboring Bell County submarkets outperform. The gap is real and notable enough to shape underwriting.
Demographically, 76579 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.
Experienced landlords with local relationships tend to find 76579 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.
Here's what matters if you're considering buying a home in Troy:
Property Strategy for 76579
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 3BR | $237,899 | $1,630 | 4.9% | +7.6% | $79,300 |
| 4BR | $286,091 | $1,970 | 5.0% | +5.6% | $71,523 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 76579 Compare?
| Metric | 76579 | Troy | Killeen-Temple, TX | Texas |
|---|---|---|---|---|
| Home Value | $255,917 | $255,917 | N/A | $297,000 |
| 5-Year CAGR | 2.3% | 2.3% | N/A | 5.4% |
| Avg Rent | $1,809 | $1,809 | N/A | - |
| Cap Rate | 5.5% | 5.5% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 76579 (Troy, TX). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $255,917 |
| Monthly Rent | $1,809 |
| Price-to-Rent | 11.8:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 8.5% |
| Cap Rate | 5.5% |
| 5-Year IRR | 7.8% |
📈 Home Appreciation
| 1-Year | -2.8% ▼ |
| 3-Year CAGR | -2.4% ▼ |
| 5-Year CAGR | +2.3% ▲ |
| 10-Year CAGR | +5.5% ▲ |
🏠 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 (5.5%). 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 76579
Population: 5,729
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 76579
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.
🎓 Nearby Colleges & Universities
Investor Insight: With 1,765 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
Is house hacking profitable in Troy, TX?
House hacking in Troy, TX is reasonable to execute. Prices around $256K and rents of $1,809/mo solid owner-occupant economics.
What do landlords charge for rent in Troy, TX?
Rent in Troy, TX is around $1,809/mo. The resulting rent-to-value relationship with $256K pricing is reasonable for most investor models.
What investment strategy works best in Troy, TX?
In Troy, TX the sturdy play is typically careful cash-flow rentals with hands-on management. The combination of $256K prices and $1,809/mo rents suits that approach.
Is TX a landlord-friendly state?
Landlord-friendliness in Troy, TX is landlord-friendly. Eviction timelines and lease enforcement are considered reasonable by most property managers.
What is the average home sale price in Troy, TX?
Expect median prices around $256K in Troy, TX. The market has run at a 0.0% 5-year CAGR, so entry costs have been stable.
You know 76579 now. You don’t know where it ranks.
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How 76579 ranks in Killeen-Temple, TX
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