Real Estate Investing in Luling, Texas (78622)

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

Caldwell County • Population: 353 • Data updated: September 2026

☆ Watch this market Free account

Should you buy in 78622 (Luling, TX)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (46/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 For Investors
WEAK
2.0 / 5 (38/100)

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
  • High vacancy: 12.8% of homes vacant — above national norms.

• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Luling, TX (78622)?

Click any question — our AI will research it live from the web and show you sources.

✨ Live AI + Web Search
Want to ask your own questions? Upgrade to Pro for unlimited custom queries.
2.0/ 5

Investability

Overall investment appeal

0.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $232,165
Avg Monthly Rent $1,584
1% Rule ✗ Does Not Meet
Median Income $64,583
% Renters 21.3%

Market Analysis: 78622 Luling

Not every below-median market is a bargain. Luling's 78622 ZIP sits at signals that favor experienced operators who can absorb the risk $232K pricing implies.

The investment case in 78622 is sturdy only for operators who understand what they are buying. A $232K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

Regionally, 78622 sits on the difficult end of the TX spectrum. The a credible choice for read — for disciplined operators — is that pricing reflects the difficulty.

Demographically, 78622 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.

Strategy in 78622 is an operator game, not a passive one. Put differently, entry prices of $232K 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 Luling:

D Needs Caution
Buy Confidence Score: 47/100
Affordability
15/25
Appreciation
0/25
Stability
7/20
Timing
10/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.6× the median income
Value Trend
Declining (-2.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,584/mo if you need to move
Market Conditions
COOL
More inventory, negotiating room for buyers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
❄️
COOL MARKET
Austin-Round Rock-Georgetown, TX Metro Area
More inventory, negotiating room for buyers
89 days
Average time to sell
Slow
9.5%
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 Austin-Round Rock-Georgetown, TX metro data

Market Trends

Home Value History (with trend line)

$302K$286K$271K$255K$240K$225KFeb 2022May 2024Jul 2026

📊 How Does 78622 Compare?

Metric 78622 Luling Austin-Round Rock-Georgetown, TX Texas
Home Value $232,165 $221,514 N/A $297,000
5-Year CAGR N/A 0.6% N/A 5.4%
Avg Rent $1,584 $1,381 N/A -
Cap Rate 5.3% 4.9% - -
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
Open the Market Finder →
Free to search · investor plans from $19/mo

Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 78622 (Luling, TX). Anonymous, moderated, never written by AI.

Do you own or manage rentals in ZIP 78622 (Luling, TX)?

~25 seconds · no account needed · your report is anonymous

Investability
Fair
Cap Rate
5.3%
Fair

📊 Market Snapshot

Home Value $232,165
Monthly Rent $1,584
Price-to-Rent 12.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 8.2%
Cap Rate 5.3%
5-Year IRR 1.1%

📈 Home Appreciation

1-Year -2.0% ▼
3-Year CAGR -4.2% ▼
5-Year CAGR N/A
10-Year CAGR N/A

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 5.3%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (5.3%). 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
12.8%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
N/A
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 78622

Population: 353

💰 Median Household Income
$64,583
This area
$64,583
State
$70,593
USA
$74,580
🏠 Renter Occupied
21.3%
This area
21.3%
State
29.5%
USA
34.0%
💼 Unemployment Rate
0.0%
This area
0.0%
State
-25.4%
USA
3.7%
🎓 College Educated
33.7%
This area
33.7%
State
-5.8%
USA
33.7%
👤 Median Age
40.6 years
This area
40.6 years
State
-3.7 years
USA
38.9 years
🏚️ Vacancy Rate
12.8%
This area
12.8%
State
18.3%
USA
10.5%
👥 Population by Ethnicity
White 91.5%
Other/Mixed 8.5%
Hispanic/Latino 5.4%
👶 Under 18
28.6%
This area
28.6%
USA
22.0%
👴 65 and Over
21.0%
This area
21.0%
USA
17.3%
📊 Poverty Rate
0.0%
This area
0.0%
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

🎓 Nearby Colleges & Universities

2 Nearby 1,665 Off-Campus Students
C
Total Transformation Institute of Cosmetology
94 students · 11.2 mi
C+
Texas State University
38,722 students · 12.6 mi

Investor Insight: With 1,665 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What is the typical home price in Luling, TX?

Homes in Luling, TX typically sell near $232K. Prices have moved at a 0.0% 5-year CAGR, which stable long-term demand.

Is rental property easy to operate in Luling, TX?

The landlord environment in Luling, TX is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.

How should investors approach Luling, TX?

Most investors in Luling, TX run a careful cash-flow rentals with hands-on management strategy. It aligns with the 2.0/5 investability profile and the market fundamentals.

Do landlords face vacancy issues in Luling, TX?

Expect elevated vacancy in Luling, TX. Rents at $1,584/mo are absorbed by the tenant base without meaningful lag.

Is Luling, TX a good market for FHA house hackers?

Luling, TX offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $1,584/mo rent level.

You know 78622 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 78622 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

Compare Plans

How 78622 ranks in Austin-Round Rock-Georgetown, TX

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
🤖

AI Market Advisor

Ask questions about investing in 78622 (Luling)

Loading...

Community Ratings

What people who’ve spent time here actually say. Not paid reviews.

Be the first to rate 78622 (Luling, TX).

It takes 30 seconds. No signup. Your rating helps everyone who comes here after you.