The story of this market
The typical home in ZIP 76832 sells for about $225,000, or $142 per square foot.
Prices are down 2.2% from a year ago, which gives buyers more room to negotiate. Homes take about 88 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $1,150 a month.
ZIP 76832 — Cherokee
The housing market in 76832 is characterized by low inventory and limited sales volume, typical of a rural, stable community. Prices have softened slightly year-over-year, reflecting broader regional trends in rural Texas real estate. Market activity remains slow, with properties spending significant time on the market due to the niche nature of the buyer pool.
This ZIP is best suited for retirees, ranching families, and those seeking a quiet, rural lifestyle away from urban centers.
Median prices moved down 2.2% year over year.
Homes spend a median of 88 days on market with 6.0 months of supply — a balanced-paced market.
8% 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 3.2% · poverty 11.5% — 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 5.8%/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 4.7%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net outflow — more people moved out than in
ZCTA 76832, San Saba County TX
Crime rates in this rural area are generally low and stable, consistent with regional trends in San Saba County.
The area is served by San Saba ISD, which maintains a small-town educational environment with limited extracurricular variety compared to larger urban districts.
The region faces moderate wildfire risk during dry summer months and occasional flash flooding near local creek beds.
Economic momentum is primarily driven by local agriculture and ranching, with limited new commercial or residential development activity.
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 by personal vehicle, with residents typically driving to San Saba or Llano for employment and essential services.
Recreation is centered on outdoor activities including hunting, fishing, and local community park facilities in the nearby town of San Saba.
The rental market is very limited with low turnover and minimal inventory, primarily serving local workers and long-term residents.
The local economy is heavily reliant on agriculture, livestock production, and small-scale retail services.
Transportation is entirely dependent on private vehicles; there is no public transit infrastructure.
There are no major commercial or residential developments currently approved or under construction in this ZIP.
The San Saba Central Appraisal District manages property assessments for all taxing jurisdictions within the county.
Parcels are subject to San Saba ISD and county-wide hospital district taxes.
Property insurance premiums are influenced by rural wildfire risk and the distance to the nearest fire response station.
The area experiences stable, low-volume population movement typical of rural Texas counties.
Texas operates under a non-judicial foreclosure process with relatively short timelines for lenders.
Texas law requires sellers to provide a standard Seller's Disclosure Notice regarding the condition of the property.
Data retrieved from data.census.gov 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.
Provides local fishing and recreational access.
Serves as the primary hub for local social gatherings.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.