Real Estate Investing in Mount Calm, Texas (76673)

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

Hill County • Population: 1,178 • Data updated: September 2026

☆ Watch this market Free account

Should you buy in 76673 (Mount Calm, TX)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (52/100)

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: 20.6% 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 Mount Calm, TX (76673)?

Click any question — our AI will research it live from the web and show you sources.

✨ Live AI + Web Search
Want to ask your own questions? Upgrade to Pro for unlimited custom queries.
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 $279,255
Avg Monthly Rent $1,116
1% Rule ✗ Does Not Meet
Median Income $53,482
% Renters 17.8%

Market Analysis: 76673 Mount Calm

On the rental side, ZIP 76673 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $279K median. It rewards specialists, not generalists.

The investment case in 76673 is notable only for operators who understand what they are buying. A $279K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

Looking more closely, 76673 offers a low basis, the region around Mount Calm has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.

Resident income in 76673 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.

Experienced landlords with local relationships tend to find 76673 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.

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 Mount Calm:

C Below Average
Buy Confidence Score: 58/100
Affordability
10/25
Appreciation
18/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.2× the median income
Value Trend
Rising (+5.2%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,116/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.

Market Trends

Home Value History (with trend line)

$293K$253K$213K$173K$133K$93KAug 2009Feb 2018Jul 2026

📊 How Does 76673 Compare?

Metric 76673 Mount Calm Texas
Home Value $279,255 $279,255 $297,000
5-Year CAGR 4.2% 4.2% 5.4%
Avg Rent $1,116 $1,116 -
Cap Rate 3.1% 3.1% -
💡 Why Invest in 76673? 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 →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
Open the Market Finder →
Free to search · investor plans from $19/mo

Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 76673 (Mount Calm, TX). Anonymous, moderated, never written by AI.

Do you own or manage rentals in ZIP 76673 (Mount Calm, TX)?

~25 seconds · no account needed · your report is anonymous

Investability
Good
Cap Rate
3.1%
Low
5yr Growth
+4.2%
Moderate

📊 Market Snapshot

Home Value $279,255
Monthly Rent $1,116
Price-to-Rent 20.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.8%
Cap Rate 3.1%
5-Year IRR 7.3%

📈 Home Appreciation

1-Year +5.2% ▲
3-Year CAGR +2.9% ▲
5-Year CAGR +4.2% ▲
10-Year CAGR +7.5% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.1%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.1%). 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
20.6%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+4.2%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 76673

Population: 1,178

💰 Median Household Income
$53,482
This area
$53,482
State
$70,593
USA
$74,580
🏠 Renter Occupied
17.8%
This area
17.8%
State
29.5%
USA
34.0%
💼 Unemployment Rate
3.6%
This area
3.6%
State
-25.4%
USA
3.7%
🎓 College Educated
15.0%
This area
15.0%
State
-5.8%
USA
33.7%
👤 Median Age
41.8 years
This area
41.8 years
State
-3.7 years
USA
38.9 years
🏚️ Vacancy Rate
20.6%
This area
20.6%
State
18.3%
USA
10.5%
👥 Population by Ethnicity
White 75.6%
Other/Mixed 17.4%
Hispanic/Latino 15.5%
Black/African American 7.0%
👶 Under 18
29.4%
This area
29.4%
USA
22.0%
👴 65 and Over
21.9%
This area
21.9%
USA
17.3%
📊 Poverty Rate
12.0%
This area
12.0%
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 76673

A Avg School Grade
1 Schools
10.8:1 Avg Class Size
$18,907 Avg Per Pupil

Schools in This ZIP Code

A Very Good

MOUNT CALM ISD

📚 Pre-K – 12 K-12
👥
158 Students
👨‍🏫
10.8:1 Class Size
💰
$18,907 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.

🎓 Nearby Colleges & Universities

1 Nearby 3,110 Off-Campus Students
C+
Texas State Technical College
11,436 students · 13.9 mi

Investor Insight: With 3,110 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

How viable is house hacking in Mount Calm, TX?

The house hack math a challenging in Mount Calm, TX. Owner-occupant buyers benefit from the $1,116/mo rents and $279K home values.

Does Mount Calm, TX favor landlords or tenants?

Mount Calm, TX operates under TX law, which is landlord-friendly overall for landlords. Expect measured treatment in typical lease and eviction cases.

Is Mount Calm in TX worth investing in?

Our data puts Mount Calm, TX at 3.0/5 for investability. Home prices of $279K and rents around $1,116/mo create a solid backdrop for investor activity.

How much do tenants pay in Mount Calm, TX?

Expect rents around $1,116/mo per month in Mount Calm, TX. With home values at $279K, the yield math works out to reasonable levels for rental investors.

What kind of tenants rent in Mount Calm, TX?

Mount Calm, TX offers a predictable renter base at the $1,116/mo rent level. Tenant turnover is reasonable for well-managed properties.

You know 76673 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 76673 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.

Compare Plans
🤖

AI Market Advisor

Ask questions about investing in 76673 (Mount Calm)

Loading...

Community Ratings

What people who’ve spent time here actually say. Not paid reviews.

Be the first to rate 76673 (Mount Calm, TX).

It takes 30 seconds. No signup. Your rating helps everyone who comes here after you.