Real Estate Investing in Kosse, Texas (76653)

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

Limestone County • Population: 1,133 • Data updated: September 2026

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Should you buy in 76653 (Kosse, TX)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (54/100)

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

📈 For Investors
WEAK
2.0 / 5 (33/100)

Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.

⚠️ Risks to Know
1 flag
  • High vacancy: 14.1% 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 Kosse, TX (76653)?

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2.0/ 5

Investability

Overall investment appeal

1.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $224,571
Avg Monthly Rent $1,125
1% Rule ✗ Does Not Meet
Median Income $56,875
% Renters 17.8%

Market Analysis: 76653 Kosse

Looking more closely, ZIP 76653 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $225K median. It rewards specialists, not generalists.

The 76653 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

In the broader TX picture, 76653 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

Employment concentration in 76653 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.

seems to the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.

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 Kosse:

C+ Average
Buy Confidence Score: 61/100
Affordability
15/25
Appreciation
14/25
Stability
7/20
Timing
10/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.9× the median income
Value Trend
Rising (+6.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,125/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
Waco, TX Metro Area
More inventory, negotiating room for buyers
74 days
Average time to sell
Slow
8.5%
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 Waco, TX metro data

Market Trends

Home Value History (with trend line)

$244K$224K$204K$185K$165K$145KFeb 2019Nov 2022Jul 2026

📊 How Does 76653 Compare?

Metric 76653 Kosse Waco, TX Texas
Home Value $224,571 $224,571 N/A $297,000
5-Year CAGR 1.8% 1.8% N/A 5.4%
Avg Rent $1,125 $1,125 N/A -
Cap Rate 3.9% 3.9% - -
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 76653 (Kosse, TX). Anonymous, moderated, never written by AI.

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Investability
Fair
Cap Rate
3.9%
Low
5yr Growth
+1.8%
Slow

📉 Market Crash Risk Index

Based on Waco, TX metro

4/10
Moderate Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
2/3
64%
Days Pending
2/2
74 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $224,571
Monthly Rent $1,125
Price-to-Rent 16.6:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.0%
Cap Rate 3.9%
5-Year IRR 5.7%

📈 Home Appreciation

1-Year +6.0% ▲
3-Year CAGR +0.3% ▲
5-Year CAGR +1.8% ▲
10-Year CAGR N/A

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.9%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.9%). 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.

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⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
14.1%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+1.8%
Flat
Eviction process: Fast Rent control: Favorable

Demographics in 76653

Population: 1,133

💰 Median Household Income
$56,875
This area
$56,875
State
$70,593
USA
$74,580
🏠 Renter Occupied
17.8%
This area
17.8%
State
29.5%
USA
34.0%
💼 Unemployment Rate
2.3%
This area
2.3%
State
-25.4%
USA
3.7%
🎓 College Educated
6.7%
This area
6.7%
State
-5.8%
USA
33.7%
👤 Median Age
49.2 years
This area
49.2 years
State
-3.7 years
USA
38.9 years
🏚️ Vacancy Rate
14.1%
This area
14.1%
State
18.3%
USA
10.5%
👥 Population by Ethnicity
White 94.4%
Other/Mixed 4.0%
Hispanic/Latino 2.8%
Black/African American 1.7%
👶 Under 18
14.4%
This area
14.4%
USA
22.0%
👴 65 and Over
24.3%
This area
24.3%
USA
17.3%
📊 Poverty Rate
8.5%
This area
8.5%
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

Frequently Asked Questions

What are rental rates like in Kosse, TX?

Average rent in Kosse, TX is approximately $1,125/mo per month. Against $225K home values that yields a reasonable rent-to-price ratio.

What price range are homes in Kosse, TX?

Median home price in Kosse, TX is near $225K, with a 5-year CAGR of 0.0%. Prices have been reliable and supportive of buy-and-hold strategies.

Should investors consider Kosse, TX?

The 2.0/5 investability rating in Kosse, TX reflects its $225K prices and $1,125/mo rents. Investors generally consider it a solid option within TX.

How tight is the rental market in Kosse, TX?

Kosse, TX carries elevated vacancy risk. Expect measured absorption at market rents of $1,125/mo.

What type of investing works in Kosse, TX?

Investors usually favor careful cash-flow rentals with hands-on management in Kosse, TX. With home values at $225K and rents near $1,125/mo, other strategies can work but produce stable rather than outsized returns.

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How 76653 ranks in Waco, TX

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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