Real Estate Investing in Maxwell, Texas (78656)

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

Caldwell County • Population: 2,953 • Data updated: September 2026

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Should you buy in 78656 (Maxwell, TX)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (57/100)

Mixed — values have been flat. OK for long-horizon buyers, less attractive if you may need to sell soon.

📈 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
2 flags
  • Declining values: -1.1% 5-year CAGR — values have moved lower.
  • 1-year downturn: Values declined 4.0% in the last year.

What’s happening in Maxwell, TX (78656)?

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3.0/ 5

Investability

Overall investment appeal

1.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $258,060
Avg Monthly Rent $1,904
1% Rule ✗ Does Not Meet
Median Income $56,923
% Renters 39.3%

Market Analysis: 78656 Maxwell

Not every below-median market is a bargain. Maxwell's 78656 ZIP reports signals that favor experienced operators who can absorb the risk $258K pricing implies.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $258K asset, 78656 is the wrong submarket. If the plan prices in friction, the yield can still work.

ZIP 78656's metrics run below Caldwell County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.

Who lives in 78656 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

The right play in 78656 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.

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 Maxwell:

C Below Average
Buy Confidence Score: 52/100
Affordability
15/25
Appreciation
5/25
Stability
7/20
Timing
10/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.5× the median income
Value Trend
Declining (-4.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,904/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)

$348K$297K$247K$196K$145K$95KJan 2009Oct 2017Jul 2026

Rent History (with trend line)

$2,018$1,947$1,875$1,804$1,732$1,661Jan 2024May 2025Jul 2026

📊 How Does 78656 Compare?

Metric 78656 Maxwell Austin-Round Rock-Georgetown, TX Texas
Home Value $258,060 $258,060 N/A $297,000
5-Year CAGR N/A N/A N/A 5.4%
Avg Rent $1,904 $1,904 N/A -
Cap Rate 5.8% 5.8% - -
💡 Why Invest in 78656? Click to expand

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

A healthy rental market with 39% renter-occupied households ensures tenant availability.

📊 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 78656 (Maxwell, TX). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
5.8%
Fair
5yr Growth
-1.1%
Declining

📊 Market Snapshot

Home Value $258,060
Monthly Rent $1,904
Price-to-Rent 11.3:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 8.9%
Cap Rate 5.8%
5-Year IRR 4.7%

📈 Home Appreciation

1-Year -4.0% ▼
3-Year CAGR -5.3% ▼
5-Year CAGR -1.1% ▼
10-Year CAGR +5.3% ▲

🏠 Rent Trends

1-Year +0.2% ▲
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 5.8%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (5.8%). 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.

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⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
1.7%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
-1.1%
Flat
Eviction process: Fast Rent control: Favorable

Demographics in 78656

Population: 2,953

💰 Median Household Income
$56,923
This area
$56,923
State
$70,593
USA
$74,580
🏠 Renter Occupied
39.3%
This area
39.3%
State
29.5%
USA
34.0%
💼 Unemployment Rate
1.4%
This area
1.4%
State
-25.4%
USA
3.7%
🎓 College Educated
7.6%
This area
7.6%
State
-5.8%
USA
33.7%
👤 Median Age
32.3 years
This area
32.3 years
State
-3.7 years
USA
38.9 years
🏚️ Vacancy Rate
1.7%
This area
1.7%
State
18.3%
USA
10.5%
👥 Population by Ethnicity
White 59.9%
Hispanic/Latino 35.4%
Other/Mixed 35.4%
Black/African American 4.7%
👶 Under 18
27.3%
This area
27.3%
USA
22.0%
👴 65 and Over
9.6%
This area
9.6%
USA
17.3%
📊 Poverty Rate
12.2%
This area
12.2%
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 · 6.8 mi
C+
Texas State University
38,722 students · 8.1 mi

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

Frequently Asked Questions

How much do tenants pay in Maxwell, TX?

Expect rents around $1,904/mo per month in Maxwell, TX. With home values at $258K, the yield math works out to reasonable levels for rental investors.

What is the median home value in Maxwell, TX?

Typical homes in Maxwell, TX go for around $258K. The 5-year CAGR of 0.0% stable price movement.

How does Maxwell, TX rate as a rental market?

Maxwell, TX rates 3.0/5 for investability. With median values at $258K and rents near $1,904/mo, the market offers reasonable fundamentals for rental investors.

What is the best play in Maxwell, TX?

Maxwell, TX investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($258K prices, $1,904/mo rents) make it a reasonable choice.

How landlord-friendly is Maxwell, TX?

Landlord-friendliness in Maxwell, TX is landlord-friendly. Eviction timelines and lease enforcement are considered reasonable by most property managers.

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How 78656 ranks in Austin-Round Rock-Georgetown, TX

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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