The story of this market
The typical home in ZIP 75410 sells for about $332,250, or $188 per square foot.
Prices are up +2.1% from a year ago, so sellers still have some momentum. Homes take about 62 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $1,450 a month.
ZIP 75410 — Alba
The housing market in 75410 remains stable, characterized by steady demand for single-family homes near Lake Fork. While price growth has moderated compared to the 2021-2022 period, the area continues to attract buyers seeking affordability and a rural lifestyle. Limited inventory keeps the market balanced, though higher interest rates have tempered the pace of sales.
This ZIP is best suited for retirees, outdoor enthusiasts, and families seeking a quiet, rural lifestyle with affordable housing options compared to the DFW metroplex.
Median prices moved up 2.1% year over year.
Homes spend a median of 62 days on market with 6.0 months of supply — a balanced-paced market.
13% of listings have cut prices · homes sell at 97.2% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.1% · poverty 10.8% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 9.7%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 8.7%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net influx — more people moved in than out
ZCTA 75410, Texas
Crime rates in the Alba area are generally low, consistent with rural East Texas trends and significantly lower than major metropolitan centers in the region.
Schools serving the area are primarily part of the Alba-Golden Independent School District, which is characterized by small class sizes and a community-focused educational environment.
The area faces moderate risks related to severe thunderstorms and wind events common to East Texas, with localized flood risks near Lake Fork and surrounding low-lying areas.
Economic momentum is driven by proximity to Lake Fork recreational tourism and a steady influx of residents seeking rural living within commuting distance of larger East Texas employment hubs.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Texas) — Senior (65+) and Disabled Homestead Exemption and School Tax Ceiling: Grants an additional mandatory $10,000 exemption from ISD appraised value (Taxable Value_ISD = Appraised Value - $100,000 - $10,000) and establishes an absolute statutory tax freeze (school tax ceiling): total ISD property taxes cannot exceed the dollar ceiling established in the… State (Texas) — General Residence Homestead Exemption and 10% Valuation Growth Cap: Imposes mandatory state-level valuation deductions and growth limitations on the qualifying homestead: (1) Mandates a $100,000 deduction from appraised value for independent school district (ISD) maintenance and operations/debt taxation: Taxable Value_ISD = Appraised Value - $100… State (Texas) — Ad Valorem Real Property Taxation and Assessment Ratio: Mandates ad valorem appraisal of all real property at 100% of fair market value as of January 1 each tax year (Assessment Ratio = 1.00).
Commuting is almost exclusively car-dependent, with residents typically driving to nearby employment centers in Mineola, Quitman, or further toward the Tyler and Dallas-Fort Worth peripheries.
The area is anchored by Lake Fork, a premier destination for bass fishing and boating, complemented by local parks and rural outdoor spaces suitable for hiking and nature observation.
The rental market is limited in depth, consisting primarily of single-family homes; vacancy pressure is generally low due to the scarcity of multi-family inventory.
The local economy is heavily influenced by tourism related to Lake Fork, agriculture, and small-scale retail, with many residents commuting to larger regional employers.
Transportation infrastructure is limited to state highways and county roads; there is no public transit system serving the area.
Development is primarily focused on low-density residential expansion and recreational property improvements rather than large-scale commercial projects.
The Wood and Rains County Appraisal Districts manage assessments, typically utilizing mass appraisal techniques to determine annual property values.
Parcels are subject to Alba-Golden ISD taxes and may fall within specific water supply or emergency service districts.
Property insurance premiums are influenced by regional exposure to wind and hail, with many carriers requiring specific roof certifications for older homes.
Data retrieved from US Census Bureau ACS tables for ZCTA 75410.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
A world-renowned reservoir for largemouth bass fishing and water recreation.
Local community space providing picnic areas and playground facilities.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.