Cumby, TX—75433
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Cumby, TX
As of Oct '25, the median home price in Cumby, TX is $300,000, with a year-over-year change of -8.5%. This indicates that home prices in Cumby, TX are decreasing. According to Zillow, the 1-year price projection is -2.4%, suggesting a decrease housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $300,000 | -8.5% |
| Single Family | $300,000 | -7.7% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | N/A | N/A |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Cumby, TX
As of July '25, Rentcast reports the average rent in Cumby, TX is $1,320, with a year-over-year rent change of 43.6%. Per bedroom, the median rent as of July '25 in Cumby, TX is 1-bedrooms: $850, 3-bedrooms: $2,250. The most common rental property sizes in Cumby, TX are 3-bedroom and 2-bedroom, accounting for 49.4% and 35.3% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $850 | $1,320 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $850 | $850 |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | $2,250 | $2,250 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Cumby, TX
As of Oct '25, Realtor.com reports that the median days on market for a home in Cumby, TX is 71. This is a decrease of -12.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 24.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $415,000 | 9.0% |
Listing Count | 25 | 50.0% |
| Listings as % of Homes | 0.7% | 50.0% |
Days on Market | 71 | -12.0% |
Demographics — Cumby, TX
As of the latest ACS Survey released in 2023, Cumby, TX has a population of 3,130, which has increased by 19.9% over the past 5 years. Cumby, TX is a moderately popular place for families, as children make up 21.0% of the population. The area has a moderately educated workforce, with 26.3% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 15.5% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 3,130 | 19.9% |
% Under 18 | 21.0% | 3.4% |
% Seniors | 22.0% | -4.3% |
% WFH | 15.5% | 675.0% |
% w/ College Degree | 26.3% | 28.9% |
As of the latest ACS Survey released in 2023, Cumby, TX is a predominantly white area, with 86.2% of the population identifying as white. The white population has shrunk by 4.6% in the last 5 years. The second most common race or ethnicity in Cumby, TX is hispanic, making up 5.8% of the population. Foreign-born residents account for 4.3% of the population in Cumby, TX, and this percentage has increased by 34.4% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 86.2% | -4.6% |
% Black | 4.7% | 2,250.0% |
% Hispanic | 5.8% | -26.6% |
% Asian | 0.4% | 300.0% |
% Foreign Born | 4.3% | 34.4% |
Mortgage and Risk — Cumby, TX
According to HUD data as of 2023, there were 75 mortgage originations in Cumby, TX, of which 73.0% of loans were conventional mortgages. The average loan-to-value was 77.0%, with 45.0% above 90% LTV (very high). This implies large mortgage risk in Cumby, TX. Investor activity is low, as 1.0% of loans were by investors. 9.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 75 |
% Conventional Loans | 73.0% |
% Government Loans | 27.0% |
% Investor Loans | 1.0% |
% Second Loans | 4.0% |
% Cash Out Refinance | 9.0% |
Loan Activity
Rentals and Section 8 — Cumby, TX
Cumby, TX lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 20 |
Total Units Section 8 | 11 |
% Rentals under Section 8 | 4.6% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $220 | $850 | $1,070 |
| 2 Bedroom | N/A | N/A | $1,250 |
| 3 Bedroom | -$680 | $2,250 | $1,570 |
| 4 Bedroom | N/A | N/A | $2,010 |
Affordability — Cumby, TX
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.1 |
| Median Home Price | $300,000 |
| Median Household Income | $82,600 |