Real Estate Investing in Edcouch, Texas (78538)

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

Hidalgo County • Population: 10,740 • Data updated: September 2026

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Should you buy in 78538 (Edcouch, TX)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (69/100)

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

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

Rare combination of both appreciation and cash flow. These markets don't last long — worth serious consideration.

⚠️ Risks to Know
2 flags
  • High vacancy: 14.2% of homes vacant — above national norms.
  • Elevated poverty: 28.6% poverty rate — can affect rent collection.

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

What’s happening in Edcouch, TX (78538)?

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3.0/ 5

Investability

Overall investment appeal

4.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $149,508
Avg Monthly Rent $873
1% Rule ✗ Does Not Meet
Median Income $41,081
% Renters 24.8%

Market Analysis: 78538 Edcouch

Investors eyeing 78538 need to respect the fundamentals at play. Home values of $150K come alongside slower price movement and elevated management overhead.

Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 78538 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.

Within TX, ZIP 78538 trails on several market indicators that neighboring Hidalgo County submarkets outperform. The gap is real and resilient enough to shape underwriting.

A resilient renter share of 25% in 78538 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.

The 78538 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.

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 Edcouch:

B Good
Buy Confidence Score: 76/100
Affordability
15/25
Appreciation
25/25
Stability
11/20
Timing
10/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.6× the median income
Value Trend
Rising (+6.5%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $873/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
McAllen-Edinburg-Mission, TX Metro Area
More inventory, negotiating room for buyers
132 days
Average time to sell
Slow
4.8%
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 McAllen-Edinburg-Mission, TX metro data
🏠

Property Strategy for 78538

Which property type performs best in this market?

Best for Cash Flow
2BR
6.8% cap rate
Best for Appreciation
2BR
+11.8% 5yr CAGR
Best Overall Value
3BR
$51,346/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $88,703 $780 6.3% +11.7% $88,703
2BR $103,375 $970 6.8% +11.8% $51,687
3BR $154,037 $1,260 5.9% +10.5% $51,346
4BR $236,746 $1,400 4.3% +8.5% $59,186

Market Trends

Home Value History (with trend line)

$164K$140K$115K$91K$67K$43KJan 2007Oct 2016Jul 2026

📊 How Does 78538 Compare?

Metric 78538 Edcouch McAllen-Edinburg-Mission, TX Texas
Home Value $149,508 $149,508 N/A $297,000
5-Year CAGR 8.6% 8.6% N/A 5.4%
Avg Rent $873 $873 N/A -
Cap Rate 4.6% 4.6% - -
💡 Why Invest in 78538? 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 78538 (Edcouch, TX). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.6%
Fair
5yr Growth
+8.6%
Strong

📊 Market Snapshot

Home Value $149,508
Monthly Rent $873
Price-to-Rent 14.3:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 7.0%
Cap Rate 4.6%
5-Year IRR 13.1%

📈 Home Appreciation

1-Year +6.5% ▲
3-Year CAGR +5.7% ▲
5-Year CAGR +8.6% ▲
10-Year CAGR +9.2% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.6%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.6%). 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
14.2%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+8.6%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 78538

Population: 10,740

💰 Median Household Income
$41,081
This area
$41,081
State
$70,593
USA
$74,580
🏠 Renter Occupied
24.8%
This area
24.8%
State
29.5%
USA
34.0%
💼 Unemployment Rate
5.4%
This area
5.4%
State
-25.4%
USA
3.7%
🎓 College Educated
11.8%
This area
11.8%
State
-5.8%
USA
33.7%
👤 Median Age
33.1 years
This area
33.1 years
State
-3.7 years
USA
38.9 years
🏚️ Vacancy Rate
14.2%
This area
14.2%
State
18.3%
USA
10.5%
👥 Population by Ethnicity
Hispanic/Latino 50.5%
Other/Mixed 50.4%
White 49.5%
👶 Under 18
30.5%
This area
30.5%
USA
22.0%
👴 65 and Over
11.3%
This area
11.3%
USA
17.3%
📊 Poverty Rate
28.6%
This area
28.6%
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 78538

B+ Avg School Grade
7 Schools
15.2:1 Avg Class Size
$13,976 Avg Per Pupil

Schools in This ZIP Code

A Very Good

MONTE ALTO H S

📚 09 – 12 High School
👥
281 Students
👨‍🏫
11.3:1 Class Size
💰
$14,855 Per Student
A Very Good

JOSE BORREGO MIDDLE

📚 06 – 08 Middle
👥
180 Students
👨‍🏫
12.0:1 Class Size
💰
$14,855 Per Student
B+ Above Average

ROBERTO GARATE EL

📚 Pre-K – 05 Elementary
👥
359 Students
👨‍🏫
17.0:1 Class Size
💰
$14,855 Per Student
B+ Above Average

SANTIAGO GARCIA EL

📚 K – 05 Elementary
👥
378 Students
👨‍🏫
13.3:1 Class Size
💰
$13,317 Per Student
B+ Above Average

DAVID YBARRA FINE ARTS ACADEMY

📚 Grade 06 Middle
👥
290 Students
👨‍🏫
13.9:1 Class Size
💰
$13,317 Per Student
B Good

RUBEN C RODRIGUEZ EL

📚 K – 05 Elementary
👥
454 Students
👨‍🏫
15.5:1 Class Size
💰
$13,317 Per Student
C+ Average

JORGE R GUTIERREZ EARLY CHILDHOOD CENTER

📚 Grade PK Elementary
👥
490 Students
👨‍🏫
23.3:1 Class Size
💰
$13,317 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

3 Nearby 478 Off-Campus Students
B
The University of Texas Rio Grande Valley
31,931 students · 13.2 mi
C
South Texas Vocational Technical Institute-Weslaco
263 students · 13.4 mi
C
Valley Grande Institute for Academic Studies
180 students · 14.5 mi

Frequently Asked Questions

Is Edcouch, TX better for rentals, flips, or BRRRR?

Investors usually favor careful cash-flow rentals with hands-on management in Edcouch, TX. With home values at $150K and rents near $873/mo, other strategies can work but produce steady rather than outsized returns.

Is it easy to find good tenants in Edcouch, TX?

Working renters make up the core of the Edcouch, TX tenant base. The pool is reasonable for investors targeting long-term holds.

What kind of vacancy should I budget for in Edcouch, TX?

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

What does house hacking look like in Edcouch, TX?

Edcouch, TX offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $873/mo rent level.

How strict are landlord regulations in Edcouch, TX?

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

You know 78538 now. You don’t know where it ranks.

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How 78538 ranks in McAllen-Edinburg-Mission, TX

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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