Garrison, TX—75946
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Garrison, TX
As of Oct '25, the median home price in Garrison, TX is $231,000, with a year-over-year change of 0.6%. This indicates that home prices in Garrison, TX are flat. According to Zillow, the 1-year price projection is 0.8%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $231,000 | 0.6% |
| Single Family | $231,000 | 0.4% |
| 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 — Garrison, TX
As of July '25, Rentcast reports the average rent in Garrison, TX is $929, with a year-over-year rent change of 39.7%. Per bedroom, the median rent as of July '25 in Garrison, TX is 1-bedrooms: $658, 3-bedrooms: $1,200. The most common rental property sizes in Garrison, TX are 3-bedroom and 2-bedroom, accounting for 52.9% and 28.2% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $658 | $929 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $658 | $658 |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | $1,200 | $1,200 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Garrison, TX
As of Oct '25, Realtor.com reports that the median days on market for a home in Garrison, TX is 108. This is a increase of 215.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 13.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $259,000 | 21.0% |
Listing Count | 15 | 29.0% |
| Listings as % of Homes | 0.5% | 29.0% |
Days on Market | 108 | 215.0% |
Demographics — Garrison, TX
As of the latest ACS Survey released in 2023, Garrison, TX has a population of 3,540, which has remained stable by -0.2% over the past 5 years. Garrison, TX is a moderately popular place for families, as children make up 23.2% of the population. The area has a poorly educated workforce, with 20.3% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 11.2% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 3,540 | -0.2% |
% Under 18 | 23.2% | -2.9% |
% Seniors | 19.1% | 14.4% |
% WFH | 11.2% | 173.2% |
% w/ College Degree | 20.3% | 44.0% |
As of the latest ACS Survey released in 2023, Garrison, TX is a predominantly white area, with 74.0% of the population identifying as white. The white population has grown by 14.0% in the last 5 years. The second most common race or ethnicity in Garrison, TX is black, making up 16.8% of the population. Foreign-born residents account for 2.8% of the population in Garrison, TX, and this percentage has decreased by 50.0% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 74.0% | 14.0% |
% Black | 16.8% | -30.0% |
% Hispanic | 4.0% | -53.5% |
% Asian | 0.0% | -100.0% |
% Foreign Born | 2.8% | -50.0% |
Mortgage and Risk — Garrison, TX
According to HUD data as of 2023, there were 32 mortgage originations in Garrison, TX, of which 78.0% of loans were conventional mortgages. The average loan-to-value was 79.0%, with 34.0% above 90% LTV (very high). This implies large mortgage risk in Garrison, TX. Investor activity is low, as 3.0% of loans were by investors. 3.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 32 |
% Conventional Loans | 78.0% |
% Government Loans | 22.0% |
% Investor Loans | 3.0% |
% Second Loans | 6.0% |
% Cash Out Refinance | 3.0% |
Loan Activity
Rentals and Section 8 — Garrison, TX
Garrison, TX lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 45 |
Total Units Section 8 | 21 |
% Rentals under Section 8 | 4.5% |
% Occupied Section 8 | 99.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $222 | $658 | $880 |
| 2 Bedroom | N/A | N/A | $1,050 |
| 3 Bedroom | $100 | $1,200 | $1,300 |
| 4 Bedroom | N/A | N/A | $1,700 |
Affordability — Garrison, TX
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.2 |
| Median Home Price | $231,000 |
| Median Household Income | $54,900 |