Gatesville, TX—76528
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Gatesville, TX
As of Oct '25, the median home price in Gatesville, TX is $239,000, with a year-over-year change of 0.0%. This indicates that home prices in Gatesville, TX are flat. According to Zillow, the 1-year price projection is 0.7%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $239,000 | 0.0% |
| Single Family | $239,000 | 0.0% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $145,000 | 0.0% |
3 Bed | $231,000 | 0.4% |
4 Bed | $338,000 | 1.2% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Gatesville, TX
As of July '25, Rentcast reports the average rent in Gatesville, TX is $1,090, with a year-over-year rent change of -16.2%. Per bedroom, the median rent as of July '25 in Gatesville, TX is 1-bedrooms: $796, 2-bedrooms: $1,000, 3-bedrooms: $1,270. The most common rental property sizes in Gatesville, TX are 3-bedroom and 2-bedroom, accounting for 46.3% and 32.1% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,180 | $1,090 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $700 | $796 |
| 2 Bed Rent | $850 | $1,000 |
| 3 Bed Rent | $1,200 | $1,270 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Gatesville, TX
As of Oct '25, Realtor.com reports that the median days on market for a home in Gatesville, TX is 71. This is a increase of 5.0% 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 23.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $302,000 | 14.0% |
Listing Count | 96 | -8.0% |
| Listings as % of Homes | 1.1% | -8.0% |
Days on Market | 71 | 5.0% |
Demographics — Gatesville, TX
As of the latest ACS Survey released in 2023, Gatesville, TX has a population of 18,500, which has increased by 9.9% over the past 5 years. Gatesville, TX is a moderately popular place for families, as children make up 21.0% of the population. The area has a poorly educated workforce, with 17.9% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 6.1% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 18,500 | 9.9% |
% Under 18 | 21.0% | -12.5% |
% Seniors | 19.0% | 22.6% |
% WFH | 6.1% | 10.9% |
% w/ College Degree | 17.9% | 15.5% |
As of the latest ACS Survey released in 2023, Gatesville, TX is a predominantly white area, with 71.1% of the population identifying as white. The white population has shrunk by 8.4% in the last 5 years. The second most common race or ethnicity in Gatesville, TX is hispanic, making up 15.7% of the population. Foreign-born residents account for 5.3% of the population in Gatesville, TX, and this percentage has increased by 3.9% 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 | 71.1% | -8.4% |
% Black | 4.3% | 4.9% |
% Hispanic | 15.7% | 18.9% |
% Asian | 1.3% | 116.7% |
% Foreign Born | 5.3% | 3.9% |
Mortgage and Risk — Gatesville, TX
According to HUD data as of 2023, there were 332 mortgage originations in Gatesville, TX, of which 64.0% of loans were conventional mortgages. The average loan-to-value was 76.0%, with 39.0% above 90% LTV (very high). This implies large mortgage risk in Gatesville, TX. Investor activity is low, as 2.0% of loans were by investors. 16.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 332 |
% Conventional Loans | 64.0% |
% Government Loans | 36.0% |
% Investor Loans | 2.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 16.0% |
Loan Activity
Rentals and Section 8 — Gatesville, TX
Gatesville, TX lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 113 |
Total Units Section 8 | 30 |
% Rentals under Section 8 | 1.6% |
% Occupied Section 8 | 64.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $110 | $700 | $810 |
| 2 Bedroom | $180 | $850 | $1,030 |
| 3 Bedroom | $240 | $1,200 | $1,440 |
| 4 Bedroom | N/A | N/A | $1,740 |
Affordability — Gatesville, TX
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.7 |
| Median Home Price | $239,000 |
| Median Household Income | $67,000 |