Real Estate Investing in Bay City, Texas (77414)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 77414 (Bay City, TX)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 22.7% of homes vacant — above national norms.
- Elevated poverty: 22.0% poverty rate — can affect rent collection.
What’s happening in Bay City, TX (77414)?
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Market Analysis: 77414 Bay City
Investors eyeing 77414 need to respect the fundamentals at play. Home values of $203K come alongside slower price movement and elevated management overhead.
Distressed markets are won on execution, not on spreadsheets. ZIP 77414 sits at the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.
ZIP 77414's metrics run below Matagorda County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.
Employment concentration in 77414 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.
The 77414 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 Bay City:
Property Strategy for 77414
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $184,885 | $1,190 | 4.6% | +4.9% | $92,443 |
| 3BR | $223,590 | $1,520 | 4.9% | +4.7% | $74,530 |
| 4BR | $275,267 | $1,940 | 5.1% | +4.2% | $68,817 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 77414 Compare?
| Metric | 77414 | Bay City | Bay City, TX | Texas |
|---|---|---|---|---|
| Home Value | $203,033 | $203,033 | N/A | $297,000 |
| 5-Year CAGR | 3.5% | 3.5% | N/A | 5.4% |
| Avg Rent | $806 | $806 | N/A | - |
| Cap Rate | 3.1% | 3.1% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 77414 (Bay City, TX). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $203,033 |
| Monthly Rent | $806 |
| Price-to-Rent | 21.0:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.8% |
| Cap Rate | 3.1% |
| 5-Year IRR | 6.6% |
📈 Home Appreciation
| 1-Year | +5.2% ▲ |
| 3-Year CAGR | +3.0% ▲ |
| 5-Year CAGR | +3.5% ▲ |
| 10-Year CAGR | +4.0% ▲ |
🏠 Rent Trends
| 1-Year | -24.7% ▼ |
| 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 77414
Population: 23,879
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 77414
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.
Frequently Asked Questions
What is the median home value in Bay City, TX?
Expect median prices around $203K in Bay City, TX. The market has run at a 0.0% 5-year CAGR, so entry costs have been measured.
Is rental property easy to operate in Bay City, TX?
The landlord environment in Bay City, TX is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.
What is the best play in Bay City, TX?
Bay City, TX investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($203K prices, $806/mo rents) make it a reasonable choice.
Is Bay City, TX a good market for FHA house hackers?
Bay City, TX is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $203K price point reasonable to enter.
How much rent can I charge in Bay City, TX?
Rents in Bay City, TX run near $806/mo. Compared with median home prices of $203K that produces solid gross yields for typical rentals.
You know 77414 now. You don’t know where it ranks.
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How 77414 ranks in Bay City, TX
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