The story of this market
The typical home in ZIP 75440 sells for about $270,400, or $158 per square foot.
Prices are up +2.4% from a year ago, so sellers still have some momentum. Homes take about 84 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $1,450 a month.
ZIP 75440 — Emory
The housing market in 75440 is stable, characterized by low inventory and steady demand driven by the area's recreational appeal. Prices have seen modest year-over-year growth, reflecting a balanced market that is less volatile than surrounding urban centers. Buyers are primarily looking for primary residences or vacation homes near Lake Fork.
This ZIP is ideal for retirees, outdoor enthusiasts, and families seeking a quiet, rural lifestyle. It is less suited for those requiring proximity to major metropolitan employment centers or public transit.
Median prices moved up 2.4% year over year.
Homes spend a median of 84 days on market with 7.2 months of supply — a slower-moving market.
18% of listings have cut prices · homes sell at 96.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.1% · poverty 11.8% — 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 7.2%/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 6.5%/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 75440, Rains County TX
Crime rates in Emory are generally lower than the national average, with property crime being the most frequently reported incident type. The area is considered relatively safe compared to larger urban centers in East Texas.
Schools serving the area are primarily part of the Emory ISD, which maintains a moderate performance rating. The district is characterized by smaller class sizes and a focus on community-integrated education.
The area faces moderate risks related to severe thunderstorms and occasional high winds. Flood risk is localized primarily near Lake Fork and surrounding tributaries.
Economic momentum is driven by tourism related to Lake Fork and agricultural services. Infrastructure development is focused on maintaining rural connectivity and supporting the growing recreational sector.
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 primarily car-dependent, with residents typically driving to nearby employment hubs like Greenville or Tyler. Public transit options are not available in this rural ZIP code.
The area is anchored by Lake Fork, a premier destination for bass fishing and boating. Local amenities include community parks, small-town shopping districts, and proximity to outdoor trails.
The rental market is characterized by low inventory and steady demand from seasonal visitors and long-term residents. Vacancy pressure remains low due to the limited supply of multi-family housing.
The local economy is heavily reliant on the recreational fishing industry, agriculture, and local government services. It serves as a commercial hub for Rains County.
Transportation is dominated by private vehicle use on state highways. There is no significant public transit infrastructure.
Development is primarily focused on residential expansion and small-scale commercial growth to support the tourism sector.
The Rains County Appraisal District manages property assessments, focusing on market-based valuations for residential and agricultural land.
Parcels are subject to Rains ISD taxes and various county-level special districts for water and emergency services.
Property insurance premiums are influenced by regional wind and hail risk, with rates remaining stable but sensitive to national trends.
Data retrieved from US Census Bureau ZCTA-level tables.
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.
- Yesterland Farm3.918.8 mi
- Splash Kingdom Paradise Island4.318.5 mi
- Mill Creek Ranch Resort4.619.1 mi
- Duck Cove Marina and RV Park Home of the Quack Shack4.418.1 mi
- Neon Moon Restaurant and Social Club4.312 mi
- Chisholm Trail Rides4.518.9 mi
- Lake Country Playhouse4.819.3 mi
- Sky Point RV Park4.312.1 mi
- Grand Saline Salt Palace4.711.3 mi
- Edgewood Historical Society4.712.2 mi
- Grand Saline Salt Palace4.711.3 mi
- Edgewood Historical Society4.712.2 mi
- Thousand Trails Lake Tawakoni4.19.3 mi
- W.C. Swearingen Recreation Area4.712.6 mi
- Sky Point RV Park4.312.1 mi
- Edgewood City Park4.512.2 mi
- The Links At Land's End4.710.5 mi
- Graham's Edgewood Market Plants4.712.4 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
A world-renowned reservoir for bass fishing and recreational boating.
Hosts local events, rodeos, and community gatherings.
Provides local green space, playgrounds, and picnic areas.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.