Real Estate Investing in Clifton, Texas (76634)

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

Bosque County • Population: 7,483 • Data updated: September 2026

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Should you buy in 76634 (Clifton, TX)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (53/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • High vacancy: 21.5% of homes vacant — above national norms.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Clifton, TX (76634)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $232,165
Avg Monthly Rent $954
1% Rule ✗ Does Not Meet
Median Income $68,440
% Renters 23.5%

Market Analysis: 76634 Clifton

Investors eyeing 76634 need to respect the fundamentals at play. Home values of $232K come alongside slower price movement and elevated management overhead.

The investment case in 76634 is healthy only for operators who understand what they are buying. A $232K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

Statewide comparisons place 76634 among TX's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

A significant renter share of 24% in 76634 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.

The right play in 76634 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 Clifton:

B Good
Buy Confidence Score: 70/100
Affordability
20/25
Appreciation
18/25
Stability
9/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.4× the median income
Value Trend
Stable (+0.7%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $954/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
🏠

Property Strategy for 76634

Which property type performs best in this market?

Best for Cash Flow
2BR
4.3% cap rate
Best for Appreciation
2BR
+7.8% 5yr CAGR
Best Overall Value
3BR
$82,157/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $175,937 $1,060 4.3% +7.8% $87,968
3BR $246,471 $1,470 4.3% +7.5% $82,157
4BR $365,333 $1,780 3.5% +7.5% $91,333

Market Trends

Home Value History (with trend line)

$250K$219K$187K$156K$124K$92KMar 2010May 2018Jul 2026

📊 How Does 76634 Compare?

Metric 76634 Clifton Texas
Home Value $232,165 $232,165 $297,000
5-Year CAGR 3.4% 3.4% 5.4%
Avg Rent $954 $954 -
Cap Rate 3.2% 3.2% -
💡 Why Invest in 76634? 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 76634 (Clifton, TX). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.2%
Low
5yr Growth
+3.4%
Moderate

📊 Market Snapshot

Home Value $232,165
Monthly Rent $954
Price-to-Rent 20.3:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.9%
Cap Rate 3.2%
5-Year IRR 6.6%

📈 Home Appreciation

1-Year +0.7% ▲
3-Year CAGR +0.0% ▲
5-Year CAGR +3.4% ▲
10-Year CAGR +6.5% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.2%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.2%). 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
21.5%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+3.4%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 76634

Population: 7,483

💰 Median Household Income
$68,440
This area
$68,440
State
$70,593
USA
$74,580
🏠 Renter Occupied
23.5%
This area
23.5%
State
29.5%
USA
34.0%
💼 Unemployment Rate
1.8%
This area
1.8%
State
-25.4%
USA
3.7%
🎓 College Educated
25.7%
This area
25.7%
State
-5.8%
USA
33.7%
👤 Median Age
49.7 years
This area
49.7 years
State
-3.7 years
USA
38.9 years
🏚️ Vacancy Rate
21.5%
This area
21.5%
State
18.3%
USA
10.5%
👥 Population by Ethnicity
White 84.8%
Other/Mixed 13.2%
Hispanic/Latino 12.4%
Black/African American 1.2%
Asian 0.8%
👶 Under 18
20.1%
This area
20.1%
USA
22.0%
👴 65 and Over
28.4%
This area
28.4%
USA
17.3%
📊 Poverty Rate
9.0%
This area
9.0%
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 76634

B+ Avg School Grade
3 Schools
11.4:1 Avg Class Size
$13,451 Avg Per Pupil

Schools in This ZIP Code

A Very Good

CLIFTON EL

📚 Pre-K – 05 Elementary
👥
477 Students
👨‍🏫
11.5:1 Class Size
💰
$13,451 Per Student
A Very Good

CLIFTON H S

📚 09 – 12 High School
👥
314 Students
👨‍🏫
11.3:1 Class Size
💰
$13,451 Per Student
B+ Above Average

CLIFTON MIDDLE

📚 06 – 08 Middle
👥
234 Students
👨‍🏫
11.3:1 Class Size
💰
$13,451 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.

Frequently Asked Questions

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

Expect median prices around $232K in Clifton, TX. The market has run at a 0.0% 5-year CAGR, so entry costs have been stable.

How landlord-friendly is Clifton, TX?

The landlord environment in Clifton, TX is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.

Is it easy to find good tenants in Clifton, TX?

The renter base in Clifton, TX is reasonable for the $954/mo price point. Screening well and pricing to market typically yields consistent tenants.

How high is vacancy risk in Clifton, TX?

Clifton, TX carries elevated vacancy risk. Expect reliable absorption at market rents of $954/mo.

What real estate strategy is ideal for Clifton, TX?

Clifton, TX investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($232K prices, $954/mo rents) make it a reasonable choice.

You know 76634 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 76634 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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