Real Estate Investing in Lumberton, Texas (77657)

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

Hardin County • Population: 21,691 • Data updated: September 2026

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Should you buy in 77657 (Lumberton, TX)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (63/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 For Investors
MIXED
3.0 / 5 (52/100)

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
1 flag
  • Elevated vacancy: 8.9% vacancy may signal weakening demand.

What’s happening in Lumberton, TX (77657)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $281,015
Avg Monthly Rent $1,723
1% Rule ✗ Does Not Meet
Median Income $86,611
% Renters 17.1%

Market Analysis: 77657 Lumberton

Turning to rents, ZIP 77657 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $281K median. It rewards specialists, not generalists.

Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 77657 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.

The gap between 77657 and stronger Lumberton ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

The demographic picture in 77657 includes headwinds that any investor should price in. Income distribution skews lower than Lumberton averages, and tenant stability requires active management.

Strategy in 77657 is an operator game, not a passive one. On the rental side, entry prices of $281K are inviting, the management lift is real and non-optional.

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 Lumberton:

B Good
Buy Confidence Score: 72/100
Affordability
20/25
Appreciation
14/25
Stability
13/20
Timing
10/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.2× the median income
Value Trend
Rising (+4.2%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,723/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
Beaumont-Port Arthur, TX Metro Area
More inventory, negotiating room for buyers
62 days
Average time to sell
Slow
7.9%
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 Beaumont-Port Arthur, TX metro data
🏠

Property Strategy for 77657

Which property type performs best in this market?

Best for Cash Flow
3BR
3.9% cap rate
Best for Appreciation
4BR
+4.3% 5yr CAGR
Best Overall Value
3BR
$83,787/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
3BR $251,360 $1,360 3.9% +4.2% $83,787
4BR $379,335 $1,630 3.1% +4.3% $94,834

Market Trends

Home Value History (with trend line)

$290K$265K$239K$214K$188K$163KFeb 2009Nov 2017Jul 2026

Rent History (with trend line)

$1,754$1,737$1,719$1,701$1,684$1,666Mar 2026May 2026Jul 2026

📊 How Does 77657 Compare?

Metric 77657 Lumberton Beaumont-Port Arthur, TX Texas
Home Value $281,015 $281,015 N/A $297,000
5-Year CAGR 2.8% 2.8% N/A 5.4%
Avg Rent $1,723 $1,723 N/A -
Cap Rate 4.8% 4.8% - -
💡 Why Invest in 77657? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 77657 (Lumberton, TX). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.8%
Fair
5yr Growth
+2.8%
Slow

📊 Market Snapshot

Home Value $281,015
Monthly Rent $1,723
Price-to-Rent 13.6:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 7.4%
Cap Rate 4.8%
5-Year IRR 7.6%

📈 Home Appreciation

1-Year +4.2% ▲
3-Year CAGR +1.6% ▲
5-Year CAGR +2.8% ▲
10-Year CAGR +4.0% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.8%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.8%). 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
8.9%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+2.8%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 77657

Population: 21,691

💰 Median Household Income
$86,611
This area
$86,611
State
$70,593
USA
$74,580
🏠 Renter Occupied
17.1%
This area
17.1%
State
29.5%
USA
34.0%
💼 Unemployment Rate
1.9%
This area
1.9%
State
-25.4%
USA
3.7%
🎓 College Educated
21.7%
This area
21.7%
State
-5.8%
USA
33.7%
👤 Median Age
39.5 years
This area
39.5 years
State
-3.7 years
USA
38.9 years
🏚️ Vacancy Rate
8.9%
This area
8.9%
State
18.3%
USA
10.5%
👥 Population by Ethnicity
White 93.0%
Other/Mixed 5.5%
Hispanic/Latino 2.9%
Asian 0.8%
Black/African American 0.7%
👶 Under 18
23.7%
This area
23.7%
USA
22.0%
👴 65 and Over
18.3%
This area
18.3%
USA
17.3%
📊 Poverty Rate
6.3%
This area
6.3%
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 77657

A Avg School Grade
6 Schools
13.1:1 Avg Class Size
$19,195 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

LUMBERTON PRI

📚 01 – 02 Elementary
👥
610 Students
👨‍🏫
14.4:1 Class Size
💰
$19,195 Per Student
A Very Good

LUMBERTON EARLY CHILDHOOD SCH

📚 Pre-K – K Elementary
👥
416 Students
👨‍🏫
15.7:1 Class Size
💰
$19,195 Per Student
A Very Good

LUMBERTON H S

📚 09 – 12 High School
👥
1,239 Students
👨‍🏫
14.4:1 Class Size
💰
$19,195 Per Student
B+ Above Average

LUMBERTON INT

📚 03 – 05 Elementary
👥
987 Students
👨‍🏫
15.7:1 Class Size
💰
$19,195 Per Student
B+ Above Average

LUMBERTON MIDDLE

📚 06 – 08 Middle
👥
944 Students
👨‍🏫
16.1:1 Class Size
💰
$19,195 Per Student
B Good

HARDIN CO ALTER ED

📚 06 – 10 High School
👥
1 Students
👨‍🏫
2.2:1 Class Size
💰
$19,195 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

6 Nearby 4,606 Off-Campus Students
C
Southeast Texas Career Institute
74 students · 8.1 mi
C
Texas Healthtech Institute
83 students · 11.2 mi
C+
Barbers Trade School
14 students · 11.3 mi
C
Pathway Vocational Academy
18 students · 11.6 mi
C
Lamar Institute of Technology
5,302 students · 14.0 mi
C+
Lamar University
17,473 students · 14.4 mi

Investor Insight: With 4,606 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What investment strategy works best in Lumberton, TX?

For Lumberton, TX, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.

How strong is the working-renter base in Lumberton, TX?

Expect a solid tenant pool in Lumberton, TX. The rental market absorbs $1,723/mo rents without meaningful friction.

Does Lumberton, TX make sense for an investment property?

Lumberton, TX scores 3.0/5 for investability. Home values sit at $281K and rents near $1,723/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.

How do home values compare in Lumberton, TX?

Expect median prices around $281K in Lumberton, TX. The market has run at a 0.0% 5-year CAGR, so entry costs have been stable.

Is vacancy a concern in Lumberton, TX?

Vacancy risk in Lumberton, TX is elevated. That supports predictable cash flow for typical rental holds.

You know 77657 now. You don’t know where it ranks.

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How 77657 ranks in Beaumont-Port Arthur, TX

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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