Real Estate Investing in Bruceville, Texas (76630)
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Should you buy in 76630 (Bruceville, TX)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.
No major risk flags on the data we track.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Bruceville, TX (76630)?
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Market Analysis: 76630 Bruceville
ZIP 76630 inside McLennan looks affordable on the surface — median value of $306K — but the discount exists for reasons that a careful buyer should understand before committing.
For an experienced owner, 76630 can be a worth a close look for hunting ground — but the discount at $306K reflects genuine risk that outside investors often underestimate.
Within TX, ZIP 76630 trails on several market indicators that neighboring McLennan submarkets outperform. The gap is real and resilient enough to shape underwriting.
Meanwhile, 1,688 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.
The 76630 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 Bruceville:
Market Trends
Home Value History (with trend line)
📊 How Does 76630 Compare?
| Metric | 76630 | Bruceville | Texas |
|---|---|---|---|
| Home Value | $305,973 | $305,973 | $297,000 |
| 5-Year CAGR | N/A | N/A | 5.4% |
| Avg Rent | $1,116 | $1,116 | - |
| Cap Rate | 2.8% | 2.8% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 76630 (Bruceville, TX). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $305,973 |
| Monthly Rent | $1,116 |
| Price-to-Rent | 22.9:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.4% |
| Cap Rate | 2.8% |
| 5-Year IRR | 5.9% |
📈 Home Appreciation
| 1-Year | +3.1% ▲ |
| 3-Year CAGR | N/A |
| 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 (2.8%). 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 76630
Population: 1,688
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
Frequently Asked Questions
Is housing expensive in Bruceville, TX?
Typical homes in Bruceville, TX go for around $306K. The 5-year CAGR of 0.0% even-keeled price movement.
Is TX a landlord-friendly state?
TX ranks as a landlord-friendly state for landlord-tenant law. Bruceville generally follows the statewide framework, so landlords face reasonable operating rules.
Is Bruceville, TX a good market for FHA house hackers?
The house hack math a challenging in Bruceville, TX. Owner-occupant buyers benefit from the $1,116/mo rents and $306K home values.
Does Bruceville, TX make sense for an investment property?
Yes - Bruceville, TX a 2.0/5 investability score. With $306K home prices against $1,116/mo monthly rent, the market delivers a reasonable entry point for new investors.
Are tenants stable in Bruceville, TX?
Expect a solid tenant pool in Bruceville, TX. The rental market absorbs $1,116/mo rents without meaningful friction.
You know 76630 now. You don’t know where it ranks.
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