The story of this market
The typical home in ZIP 75851 sells for about $225,000, or $135 per square foot.
Prices are down 1.2% 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.
This ZIP has no home sales of its own, so its market figures come from Houston County, Texas (county-level). Population, rents, hazards, lending and amenities are this ZIP's own readings.
ZIP 75851 — Lovelady
The housing market in 75851 is characterized by low inventory and slow turnover, typical of a rural Texas market. Prices have seen modest appreciation, driven by limited supply rather than high demand. The market remains stable with little speculative activity.
This area is best suited for retirees or families seeking affordable rural living and privacy. It is less ideal for those requiring proximity to major urban employment centers or high-density amenities.
Median prices moved down 1.2% year over year.
Homes spend a median of 88 days on market with 7.2 months of supply — a slower-moving market.
19% of listings have cut prices · homes sell at 94.5% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 5.2% · poverty 14.5% — 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 5.1%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
ZCTA 75851, Anderson County TX
Crime rates in the area are generally low compared to national averages, with property crime being the primary concern. Local law enforcement reports stable trends in recent years.
Schools serving the area are part of the Palestine ISD, which maintains a standard accountability rating. Educational resources are focused on core curriculum and vocational training.
The area is subject to standard regional risks including severe thunderstorms and occasional high winds. Flood risk is localized to specific low-lying areas near creek beds.
Economic momentum is driven by local agriculture, timber, and small-scale manufacturing. Infrastructure development is focused on maintaining rural highway connectivity.
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).
Commutes are primarily car-dependent, with residents traveling to Palestine or Tyler for employment. Public transit options are not available in this rural ZIP code.
Recreation is centered on outdoor activities including fishing and hunting in nearby forests and private lakes. Local parks provide basic community gathering spaces.
The rental market is limited with low turnover and a high share of single-family homes. Demand is driven by local workforce needs rather than investor speculation.
The economy is anchored by the healthcare, education, and manufacturing sectors in the nearby city of Palestine. It remains a stable, slow-growth rural economy.
Transportation relies on US Highway 287 and state highway networks. There is no significant public transit infrastructure.
Development is limited to small-scale residential infill and infrastructure maintenance. No major commercial projects are currently reported.
The Anderson County Appraisal District performs annual market value assessments. Property owners can protest valuations through the formal ARB process.
Parcels are subject to Palestine ISD taxes and various county-level special districts for emergency services and road maintenance.
Property insurance premiums are rising due to regional weather patterns and increased replacement costs. Availability remains stable for standard residential structures.
Data retrieved from data.census.gov ZCTA profile.
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 large regional park known for its walking trails and annual dogwood festival.
Provides significant recreational opportunities for fishing and boating.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass. Contamination repair: median price, median rent, price per sq ft reproduced Houston County's own figure to the dollar and were cleared — a parent aggregate is not this ZIP's reading.