Real Estate Investing in Garden City, Texas (79739)

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

Glasscock County • Population: 862 • Data updated: September 2026

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Should you buy in 79739 (Garden City, TX)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (53/100)

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

📈 For Investors
WEAK
2.0 / 5 (33/100)

Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.

⚠️ Risks to Know
2 flags
  • Elevated vacancy: 11.6% vacancy may signal weakening demand.
  • 1-year downturn: Values declined 5.2% in the last year.

• 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.

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2.0/ 5

Investability

Overall investment appeal

0.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $267,763
Avg Monthly Rent $1,107
1% Rule ✗ Does Not Meet
Median Income $125,125
% Renters 41.8%

Market Analysis: 79739 Garden City

This part of Glasscock County is not an easy win. The 79739 ZIP shows softness in key indicators, and the playbook that works in cleaner markets often stalls here.

Rent of $1,107/mo on a $268K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 79739 sits below the stated 0.0% once reality is priced in.

Statewide comparisons place 79739 among TX's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

The 79739 ZIP's population of 862 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that stands at the need for careful underwriting.

New investors are better served looking at Garden City's stable or hybrid ZIPs before stepping into 79739. The learning curve here is expensive when the lesson is wrong.

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 Garden City:

C Below Average
Buy Confidence Score: 57/100
Affordability
25/25
Appreciation
0/25
Stability
7/20
Timing
10/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.1× the median income
Value Trend
Declining (-5.2%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,107/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
San Angelo, TX Metro Area
More inventory, negotiating room for buyers
89 days
Average time to sell
Slow
8.8%
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 San Angelo, TX metro data

Market Trends

Home Value History (with trend line)

$419K$385K$350K$316K$281K$246KFeb 2022May 2024Jul 2026

📊 How Does 79739 Compare?

Metric 79739 Garden City San Angelo, TX Texas
Home Value $267,763 $267,763 N/A $297,000
5-Year CAGR N/A N/A N/A 5.4%
Avg Rent $1,107 $1,107 N/A -
Cap Rate 3.2% 3.2% - -
💡 Why Invest in 79739? Click to expand

A healthy rental market with 42% renter-occupied households ensures tenant availability.

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 79739 (Garden City, TX). Anonymous, moderated, never written by AI.

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Investability
Fair
Cap Rate
3.2%
Low

📉 Market Crash Risk Index

Based on San Angelo, TX metro

4/10
Moderate Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
2/3
61%
Days Pending
2/2
89 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $267,763
Monthly Rent $1,107
Price-to-Rent 20.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.0%
Cap Rate 3.2%
5-Year IRR N/A

📈 Home Appreciation

1-Year -5.2% ▼
3-Year CAGR -5.6% ▼
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: 3.2%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.2%). 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
11.6%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
N/A
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 79739

Population: 862

💰 Median Household Income
$125,125
This area
$125,125
State
$70,593
USA
$74,580
🏠 Renter Occupied
41.8%
This area
41.8%
State
29.5%
USA
34.0%
💼 Unemployment Rate
0.0%
This area
0.0%
State
-25.4%
USA
3.7%
🎓 College Educated
38.5%
This area
38.5%
State
-5.8%
USA
33.7%
👤 Median Age
36.3 years
This area
36.3 years
State
-3.7 years
USA
38.9 years
🏚️ Vacancy Rate
11.6%
This area
11.6%
State
18.3%
USA
10.5%
👥 Population by Ethnicity
White 65.1%
Other/Mixed 35.0%
Hispanic/Latino 34.9%
👶 Under 18
26.1%
This area
26.1%
USA
22.0%
👴 65 and Over
10.0%
This area
10.0%
USA
17.3%
📊 Poverty Rate
1.7%
This area
1.7%
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 79739

A+ Avg School Grade
2 Schools
8.4:1 Avg Class Size
$137,468 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

GARDEN CITY EL

📚 Pre-K – 05 Elementary
👥
130 Students
👨‍🏫
8.1:1 Class Size
💰
$137,468 Per Student
A+ Excellent

GARDEN CITY H S

📚 06 – 12 High School
👥
162 Students
👨‍🏫
8.6:1 Class Size
💰
$137,468 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.

Frequently Asked Questions

What are rental rates like in Garden City, TX?

Garden City, TX rentals go for roughly $1,107/mo a month. That puts gross yield in solid territory relative to $268K acquisition costs.

What is the median home value in Garden City, TX?

Garden City, TX home values average about $268K. That price point suits investors targeting rentals with $1,107/mo in monthly income.

What is the typical vacancy rate in Garden City, TX?

Rental vacancy in Garden City, TX is elevated. Investors should budget normal turnover but not chronic empty units.

Are landlord laws favorable in Garden City, TX?

Garden City, TX falls under TX landlord-tenant law, which is landlord-friendly. That backdrop makes day-to-day property management reasonable.

How should investors approach Garden City, TX?

Investors usually favor careful cash-flow rentals with hands-on management in Garden City, TX. With home values at $268K and rents near $1,107/mo, other strategies can work but produce reliable rather than outsized returns.

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How 79739 ranks in San Angelo, TX

Every ZIP in this metro, ranked. Free.

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