The story of this market
The typical home in ZIP 76845 sells for about $167,781, or $183 per square foot.
Prices are up +37.5% from a year ago, so sellers still have some momentum. Homes take about 162 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $702 a month.
This ZIP has no home sales of its own, so its market figures come from Coleman County, Texas (county-level). Population, rents, hazards, lending and amenities are this ZIP's own readings.
ZIP 76845 — Gouldbusk
The housing market in 76845 is characterized by low inventory and stable, affordable pricing. Activity is driven by local demand and a lack of new construction, resulting in a slow-moving market with minimal price volatility.
This area is best suited for retirees seeking affordability and quiet, families with deep roots in the region, and remote workers attracted to low housing costs and rural space.
Median prices moved up 37.5% year over year.
Homes spend a median of 162 days on market with 12.0 months of supply — a slower-moving market.
0% of listings have cut prices · homes sell at 98% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.9% · poverty 4.2% — 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 5.5%/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 4.8%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
in-migration and out-migration balanced
ZCTA 76845, Mills County TX
The area is subject to typical Central Texas climate risks, including potential for drought and wildfire, with insurance premiums reflecting regional hazard exposure.
Economic momentum is driven by agricultural and rural service sectors with limited large-scale industrial development.
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).
Residents typically rely on personal vehicles for long-distance commutes to larger regional employment hubs.
Recreation is centered on rural outdoor activities, with limited local shopping and dining options within the immediate vicinity.
The rental market is characterized by low inventory and high affordability, primarily serving local workers and long-term residents.
The local economy is primarily supported by agriculture, ranching, and small-town retail services.
Transportation is entirely dependent on highway access, with no public transit infrastructure available.
There are no major large-scale commercial or residential developments currently reported in the pipeline.
The Mills Central Appraisal District manages property assessments for all parcels within the county.
Parcels are subject to local school district taxes and county-wide hospital district levies.
Property insurance markets are stable but sensitive to regional wildfire and wind risk factors.
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.
Local community green space.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass. Coherence hold-out: this pass's median price ($1,074,850) sat outside the 0.25–4× band around Coleman County's retained level and was not stored.