Caldwell, TX—77836
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Caldwell, TX
As of Oct '25, the median home price in Caldwell, TX is $300,000, with a year-over-year change of -2.0%. This indicates that home prices in Caldwell, TX are decreasing. According to Zillow, the 1-year price projection is 0.6%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $300,000 | -2.0% |
| Single Family | $301,000 | -1.3% |
| 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 | $282,000 | -1.1% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Caldwell, TX
As of July '25, Rentcast reports the average rent in Caldwell, TX is $1,300, with a year-over-year rent change of -17.2%. Per bedroom, the median rent as of July '25 in Caldwell, TX is studios: $375, 1-bedrooms: $873, 2-bedrooms: $1,020, 3-bedrooms: $1,810, 4-bedrooms: $1,900. The most common rental property sizes in Caldwell, TX are 3-bedroom and 2-bedroom, accounting for 36.0% and 28.9% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,150 | $1,300 |
| Studio Rent | $375 | $375 |
| 1 Bed Rent | $850 | $873 |
| 2 Bed Rent | $1,100 | $1,020 |
| 3 Bed Rent | $1,780 | $1,810 |
| 4 Bed Rent | $1,700 | $1,900 |
% of Rental Stock
Property Listings — Caldwell, TX
As of Oct '25, Realtor.com reports that the median days on market for a home in Caldwell, TX is 83. This is a decrease of -16.0% 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 8.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $331,000 | -10.0% |
Listing Count | 72 | -2.0% |
| Listings as % of Homes | 0.8% | -2.0% |
Days on Market | 83 | -16.0% |
Demographics — Caldwell, TX
As of the latest ACS Survey released in 2023, Caldwell, TX has a population of 12,500, which has increased by 4.7% over the past 5 years. Caldwell, TX is a moderately popular place for families, as children make up 23.7% of the population. The area has a poorly educated workforce, with 22.3% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 13.3% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 12,500 | 4.7% |
% Under 18 | 23.7% | -2.1% |
% Seniors | 22.0% | 13.4% |
% WFH | 13.3% | 160.8% |
% w/ College Degree | 22.3% | 28.9% |
As of the latest ACS Survey released in 2023, Caldwell, TX is a predominantly white area, with 66.2% of the population identifying as white. The white population has shrunk by 0.5% in the last 5 years. The second most common race or ethnicity in Caldwell, TX is hispanic, making up 20.8% of the population. Foreign-born residents account for 5.1% of the population in Caldwell, TX, and this percentage has decreased by 31.1% 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 | 66.2% | -0.5% |
% Black | 9.6% | -14.3% |
% Hispanic | 20.8% | -0.5% |
% Asian | 0.2% | -33.3% |
% Foreign Born | 5.1% | -31.1% |
Mortgage and Risk — Caldwell, TX
According to HUD data as of 2023, there were 234 mortgage originations in Caldwell, TX, of which 70.0% of loans were conventional mortgages. The average loan-to-value was 78.0%, with 41.0% above 90% LTV (very high). This implies large mortgage risk in Caldwell, TX. Investor activity is low, as 6.0% of loans were by investors. 6.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 234 |
% Conventional Loans | 70.0% |
% Government Loans | 30.0% |
% Investor Loans | 6.0% |
% Second Loans | 3.0% |
% Cash Out Refinance | 6.0% |
Loan Activity
Rentals and Section 8 — Caldwell, TX
As of 2024, the percent of homes in Caldwell, TX under the Section 8 program is 6.1%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 1-bedroom units appear to be good home sizes to consider for Section 8 housing in Caldwell, TX, because HUD payments exceed market rent, while 2-bedroom and 3-bedroom and 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 92 |
Total Units Section 8 | 52 |
% Rentals under Section 8 | 6.1% |
% Occupied Section 8 | 84.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $100 | $850 | $950 |
| 2 Bedroom | -$50 | $1,100 | $1,050 |
| 3 Bedroom | -$310 | $1,780 | $1,470 |
| 4 Bedroom | -$80 | $1,700 | $1,620 |
Affordability — Caldwell, TX
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4 |
| Median Home Price | $300,000 |
| Median Household Income | $79,600 |