214 W 6th St · Hale Center, TX 79041

$59,500

3 bd · 1.0 ba · 1,452 sqft · SingleFamily public records · 30 Days on market

Built 1951 0.32 ac lot Est $58k · at est.

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Why this score? — see what drove the B grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +6.4/15.0
• Appreciation +3.5/10.0
• Livability +3.5/5.0
• Schools +2.8/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

This home is a three-bedroom, one bath with dining room. Sits on two lots. It needs a little TLC but it would make for a great investment property. This property is sold as is.

Key facts

• 0.32 acre lot
• Built 1951
• Listed 29 days

Property features AI

Exterior

• Parking: Carport; Detached carport
• Utilities: Public water; Public sewer
• Home design: Single-family residence; 1 story
• Construction: Wood siding; Metal roof
• Exterior features: Corner lot

Interior

• Bathrooms: 1 full bathroom
• Heating & cooling: Central air; Electric cooling; Ceiling fan(s) for cooling; Electric heating
• Interior features: Ceiling fan(s); 6 total rooms
• Laundry & utility: Laundry located in the kitchen

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $60k.

Deal economics

• At list price, monthly cash flow is $457 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $60k).
• Recommended offer: $59k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 70/100 on livability (#370 in TX) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: health & safety C-, schools D, employment D.
• Hale Center ISD (rural): math 28% / reading 39% proficiency, ranked #569 of 826 in TX (top 69%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 63% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 13 active listings in the ZIP; 13 units permitted in Hale County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $411 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Hale County population projected at -27% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $17k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 30 days — a 2% lower offer ($59k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1951 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wildfire risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $58,607 (1.5% below list)

Questions for the listing agent

1. Built in 1951 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
5. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
6. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.94% ✓
• Cap rate: 15.51%
• Cash-on-cash: 32.93%
• DSCR: 2.47
• GRM: 4.3

CMA / ARV

• ARV (on-the-fly): $58,080
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
522 W 9th St	0.37mi	3/2.0	1,495 (+3%)	15mo	$59,999	$40	61

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 28.1%
• Equity multiple: 2.17×
• Total profit: $19,523
• Equity at exit: $8,872

10-year hold

• IRR: 35.6%
• Equity multiple: 4.28×
• Total profit: $54,673
• Equity at exit: $5,144

Cash invested: $16,660 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Texas: 87 Strongly Landlord-Friendly · R+5
• County: — inherits STATE
• City: — inherits STATE

3-day notice; statewide preemption; one of the fastest eviction climates; Travis County (Austin) slightly slower.

Methodology + full state rankings →

ZIP-level market 79041

• Home prices YoY: -2.8%
• Active inventory: 13
• Price-to-rent: 4.3×

Monthly cashflow live

• Estimated rent: $1,153 medium
• Mortgage (P&I): −$312
• Tax from tax record: −$117 /mo · $1,398/yr
• Insurance: −$25
• HOA: −$0
• Vacancy / Maint / Mgmt: −$242
• Net cashflow: $457

Break-even live

Break-even rent $574

Max offer price $59,500

Occupancy floor 55%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $14,875
• Closing costs: $1,785
• Reserves months: —
• Total cash needed: —

Listing history 17 events

1. 2026-06-19
   days on market $59,500 Active 30 DOM
2. 2026-06-18
   days on market $59,500 Active 29 DOM
3. 2026-06-17
   days on market $59,500 Active 28 DOM
4. 2026-06-16
   days on market $59,500 Active 27 DOM
5. 2026-06-15
   days on market $59,500 Active 26 DOM
6. 2026-06-14
   days on market $59,500 Active 24 DOM
7. 2026-06-12
   pricedays on market $59,500 Active 23 DOM
8. 2026-06-09
   days on market $65,000 Active 20 DOM
9. 2026-06-08
   days on market $65,000 Active 19 DOM
10. 2026-06-07
    days on market $65,000 Active 18 DOM
11. 2026-06-05
    days on market $65,000 Active 16 DOM
12. 2026-06-02
    days on market $65,000 Active 13 DOM
13. 2026-06-01
    days on market $65,000 Active 12 DOM
14. 2026-05-31
    days on market $65,000 Active 11 DOM
15. 2026-05-30
    days on market $65,000 Active 10 DOM
16. 2026-05-20
    listed $65,000 Active
17. 2004-06-15
    soldstatus

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast TX · Resets to sale price

• Current annual tax: $1,398 · $117/mo
• Projected year-2 tax: $1,398 · $117/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 6/10 Major
• 🌡 Heat 5/10 Major 7 d/yr ≥99°F today · 20 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,832
• − Mortgage interest: −$3,333
• − Property taxes: −$1,398
• − Insurance: −$298
• − Repairs & maintenance: −$1,107
• − Management: −$1,107
• − Depreciation: −$1,731
• Taxable income: $4,859
• Est. tax owed @ 24.0%: −$1,166
• After-tax cash flow: $4,321/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Hale Center ISD
• NCES district ID: 4822050
• Math proficiency: 28% ▼ -2.00%
• Reading proficiency: 39% ▲ 2.00%
• Median HH income: $38,588
• Composite: 27.98/100
• National rank: #6854
• State rank: #569 of 826 in TX

Livability — Hale Center

• Score: 70/100
• State rank: #370
• US rank: #7841

Category grades

Amenities F Commute F Cost of living A+ Crime A+ Employment D Housing A+ Health & safety C- User ratings A

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Hale Center, TX
• Population (ZIP): 2,511

Population outlook (Hale County) Hauer SSP2

• Today (2025): 30,851 people
• By 2030: 29,158 · -5.5%
• By 2040: 25,681 · -16.8%
• By 2050: 22,420 · -27.3%
• By 2075: 15,857 · -48.6%
• By 2100: 10,500 · -66.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority Hispanic (63%)
• Race & ethnicity: Hispanic / Latino 63% White 28% Two or more races 20% Black 6% Native American 3%
• Hispanic origin (detail): Mexican 54% Dominican 2%
• Common ancestry: Italian 2% Lithuanian 1% Serbian 1%
• Foreign-born: 11% · Canada
• Languages at home: 55% English-only · Spanish 45%

Political lean MEDSL · Hale

• 2024 margin: Solid R (+58.0) · D 20.5% · R 78.5%
• 2008→2024 swing: -13.1pp toward R · 2008: -44.9pp · 2024: -58.0pp
• All cycles: 2024: R+58.0 2020: R+51.1 2016: R+48.4 2012: R+47.8 2008: R+44.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -3.03%
• Current HPI: 103.7834
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 3.95%
• F500 in state: 110

Industry mix (Fortune 500 HQ in TX)

Industry	F500 HQs	Revenue
▸Energy	16	$1,198B
▸Technology	5	$198B
▸Engineering / Construction	4	$72B
▸Energy Services	3	$60B
▸Utilities	3	$41B
▸Healthcare	2	$330B

Price history

2 events — show timeline

• 2026-05-20 Listed $65,000 PARMLS
• 2004-06-15 Sold (Public Records) — Public Records

Property tax history

+3.5%/yr

Latest (2025): $1,398 · -0.9% YoY. Source: county tax records.