Real Estate Investing in Gatesville, Texas (76528)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 76528 (Gatesville, TX)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- Elevated vacancy: 11.4% vacancy may signal weakening demand.
What’s happening in Gatesville, TX (76528)?
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Market Analysis: 76528 Gatesville
Not every below-median market is a bargain. Gatesville's 76528 ZIP reflects signals that favor experienced operators who can absorb the risk $245K pricing implies.
Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 76528 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.
The gap between 76528 and stronger Gatesville ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
Employment concentration in 76528 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.
The 76528 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.
Here's what matters if you're considering buying a home in Gatesville:
Property Strategy for 76528
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $145,260 | $1,060 | 5.3% | +8.6% | $72,630 |
| 3BR | $230,963 | $1,470 | 4.6% | +8.3% | $76,988 |
| 4BR | $338,499 | $1,780 | 3.8% | +7.7% | $84,625 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 76528 Compare?
| Metric | 76528 | Gatesville | Killeen-Temple, TX | Texas |
|---|---|---|---|---|
| Home Value | $245,137 | $49,027 | N/A | $297,000 |
| 5-Year CAGR | 3.5% | 3.5% | N/A | 5.4% |
| Avg Rent | $1,238 | $1,238 | N/A | - |
| Cap Rate | 3.9% | 3.9% | - | - |
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 76528 (Gatesville, TX). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $245,137 |
| Monthly Rent | $1,238 |
| Price-to-Rent | 16.5:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.1% |
| Cap Rate | 3.9% |
| 5-Year IRR | 7.5% |
📈 Home Appreciation
| 1-Year | +2.8% ▲ |
| 3-Year CAGR | +0.3% ▲ |
| 5-Year CAGR | +3.5% ▲ |
| 10-Year CAGR | +6.4% ▲ |
🏠 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 (3.9%). 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.
Demographics in 76528
Population: 18,490
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 76528
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.
Frequently Asked Questions
What do landlords charge for rent in Gatesville, TX?
Average rent in Gatesville, TX is approximately $1,238/mo per month. Against $245K home values that yields a reasonable rent-to-price ratio.
Does Gatesville, TX favor landlords or tenants?
TX ranks as a landlord-friendly state for landlord-tenant law. Gatesville generally follows the statewide framework, so landlords face reasonable operating rules.
Is real estate in Gatesville, TX a good investment right now?
Gatesville, TX comes in at an investability rating of 3.0/5, with median home values near $245K and average rents around $1,238/mo. That combination puts it in the healthy tier for investor interest.
What does house hacking look like in Gatesville, TX?
Gatesville, TX is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $245K price point reasonable to enter.
Is vacancy a concern in Gatesville, TX?
Gatesville, TX sees elevated vacancy, which is reasonable relative to the broader TX rental market.
You know 76528 now. You don’t know where it ranks.
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How 76528 ranks in Killeen-Temple, TX
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Community Ratings
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