Real Estate Investing in Center Point, Texas (78010)

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

Kerr County • Population: 3,819 • Data updated: September 2026

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Should you buy in 78010 (Center Point, TX)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (41/100)

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
2 flags
  • High vacancy: 14.7% of homes vacant — above national norms.
  • High price-to-rent: Price-to-rent ratio 30.6 — hard to cash-flow at these prices.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Center Point, TX (78010)?

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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 $419,880
Avg Monthly Rent $1,143
1% Rule ✗ Does Not Meet
Median Income $73,682
% Renters 22.6%

Market Analysis: 78010 Center Point

Investors eyeing 78010 need to respect the fundamentals at play. Home values of $420K come alongside slower price movement and elevated management overhead.

For an experienced owner, 78010 can be a a viable market for hunting ground — but the discount at $420K reflects genuine risk that outside investors often underestimate.

Regionally, 78010 sits on the difficult end of the TX spectrum. The worth a close look for read — for disciplined operators — is that pricing reflects the difficulty.

Meanwhile, 3,819 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.

Strategically, 78010 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.

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 Center Point:

C Below Average
Buy Confidence Score: 52/100
Affordability
10/25
Appreciation
14/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.7× the median income
Value Trend
Stable (+2.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,143/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
☀️
WARM MARKET
Kerrville, TX Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
5.2%
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 Kerrville, TX metro data

Market Trends

Home Value History (with trend line)

$479K$411K$344K$276K$209K$141KJul 2006Jul 2016Jul 2026

📊 How Does 78010 Compare?

Metric 78010 Center Point Kerrville, TX Texas
Home Value $419,880 $419,880 N/A $297,000
5-Year CAGR 2.2% 2.2% N/A 5.4%
Avg Rent $1,143 $1,143 N/A -
Cap Rate 2.1% 2.1% - -
💡 Why Invest in 78010? 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 →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 78010 (Center Point, TX). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.1%
Low
5yr Growth
+2.2%
Slow

📉 Market Crash Risk Index

Based on Kerrville, TX metro

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

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $419,880
Monthly Rent $1,143
Price-to-Rent 30.6:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.3%
Cap Rate 2.1%
5-Year IRR 4.3%

📈 Home Appreciation

1-Year +2.1% ▲
3-Year CAGR -1.0% ▼
5-Year CAGR +2.2% ▲
10-Year CAGR +6.6% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.1%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.1%). 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
14.7%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+2.2%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 78010

Population: 3,819

💰 Median Household Income
$73,682
This area
$73,682
State
$70,593
USA
$74,580
🏠 Renter Occupied
22.6%
This area
22.6%
State
29.5%
USA
34.0%
💼 Unemployment Rate
4.1%
This area
4.1%
State
-25.4%
USA
3.7%
🎓 College Educated
23.1%
This area
23.1%
State
-5.8%
USA
33.7%
👤 Median Age
45.9 years
This area
45.9 years
State
-3.7 years
USA
38.9 years
🏚️ Vacancy Rate
14.7%
This area
14.7%
State
18.3%
USA
10.5%
👥 Population by Ethnicity
White 62.5%
Other/Mixed 36.4%
Hispanic/Latino 35.9%
Asian 1.1%
Black/African American 0.1%
👶 Under 18
22.3%
This area
22.3%
USA
22.0%
👴 65 and Over
16.5%
This area
16.5%
USA
17.3%
📊 Poverty Rate
10.9%
This area
10.9%
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 78010

A Avg School Grade
3 Schools
11.8:1 Avg Class Size
$15,146 Avg Per Pupil

Schools in This ZIP Code

A Very Good

CENTER POINT H S

📚 09 – 12 High School
👥
154 Students
👨‍🏫
9.2:1 Class Size
💰
$15,146 Per Student
A Very Good

CENTER POINT MIDDLE

📚 06 – 08 Middle
👥
113 Students
👨‍🏫
11.4:1 Class Size
💰
$15,146 Per Student
B+ Above Average

CENTER POINT EL

📚 Pre-K – 05 Elementary
👥
267 Students
👨‍🏫
14.8:1 Class Size
💰
$15,146 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

2 Nearby
C
Schreiner University
1,208 students · 9.7 mi
C
BK Cosmo College of Cosmetology
39 students · 11.7 mi

Frequently Asked Questions

Does house hacking work in Center Point, TX?

For house hackers, Center Point, TX is a challenging. The $1,143/mo rent on a unit helps defray the mortgage on a $420K property.

Which real estate strategy fits Center Point, TX?

Center Point, TX investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($420K prices, $1,143/mo rents) make it a reasonable choice.

What price range are homes in Center Point, TX?

Homes in Center Point, TX typically sell near $420K. Prices have moved at a 0.0% 5-year CAGR, which measured long-term demand.

Is TX a landlord-friendly state?

TX ranks as a landlord-friendly state for landlord-tenant law. Center Point generally follows the statewide framework, so landlords face reasonable operating rules.

How much do tenants pay in Center Point, TX?

The typical rental in Center Point, TX commands about $1,143/mo monthly. That rent profile steady cash flow against the $420K purchase basis.

You know 78010 now. You don’t know where it ranks.

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How 78010 ranks in Kerrville, TX

Every ZIP in this metro, ranked. Free.

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