Real Estate Investing in Whitney, Texas (76692)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 76692 (Whitney, 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.
- High vacancy: 24.4% 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 Whitney, TX (76692)?
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Market Analysis: 76692 Whitney
Investors eyeing 76692 need to respect the fundamentals at play. Home values of $226K come alongside slower price movement and elevated management overhead.
The investment case in 76692 is sturdy only for operators who understand what they are buying. A $226K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.
ZIP 76692's metrics run below Hill County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.
A sturdy renter share of 23% in 76692 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 76692 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.
Here's what matters if you're considering buying a home in Whitney:
Property Strategy for 76692
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 1BR | $99,485 | $780 | 5.6% | +6.2% | $99,485 |
| 2BR | $159,816 | $1,000 | 4.5% | +9.0% | $79,908 |
| 3BR | $276,369 | $1,370 | 3.6% | +8.0% | $92,123 |
| 4BR | $365,304 | $1,680 | 3.3% | +8.0% | $91,326 |
Market Trends
Home Value History (with trend line)
📊 How Does 76692 Compare?
| Metric | 76692 | Whitney | Texas |
|---|---|---|---|
| Home Value | $225,947 | $222,257 | $297,000 |
| 5-Year CAGR | 4.6% | 4.4% | 5.4% |
| Avg Rent | $900 | $887 | - |
| Cap Rate | 3.1% | 3.1% | - |
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 76692 (Whitney, TX). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $225,947 |
| Monthly Rent | $900 |
| Price-to-Rent | 20.9:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.8% |
| Cap Rate | 3.1% |
| 5-Year IRR | 7.7% |
📈 Home Appreciation
| 1-Year | +2.5% ▲ |
| 3-Year CAGR | +1.7% ▲ |
| 5-Year CAGR | +4.6% ▲ |
| 10-Year CAGR | +8.1% ▲ |
🏠 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 (3.1%). 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.
Demographics in 76692
Population: 9,662
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 76692
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.
🎓 Nearby Colleges & Universities
Investor Insight: With 608 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
Is housing expensive in Whitney, TX?
Whitney, TX home values average about $226K. That price point suits investors targeting rentals with $900/mo in monthly income.
Are tenants stable in Whitney, TX?
Whitney, TX draws a steady base of working renters. Demand at the $900/mo rent level is reasonable for standard single-family and small multi rentals.
Is Whitney, TX a smart market for rental property?
With a 3.0/5 investability score, Whitney, TX ranks as a solid market for rental property investors. Median prices of $226K and rents of $900/mo drive the underlying numbers.
Is Whitney, TX suited for a house hack?
The a challenging house-hack environment in Whitney, TX reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.
Is Whitney, TX landlord-friendly?
TX law landlord-friendly for landlords, and Whitney inherits those rules. Investors should still review local ordinances for rental licensing.
You know 76692 now. You don’t know where it ranks.
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