Nacogdoches, TX 75961 housing market

What this means

• Valuation. Prices are 24% above what local incomes have historically supported (this area's pre-2020 price-to-income ratio).
• Prices. Home values are up 2.5% over the past year (U.S.: +1.2%).
• Supply. Listings are 6% below the 2017-19 norm and falling (−22% vs. a year ago), close to pre-pandemic levels.
• Negotiating. Buyer leverage is low (22/100; U.S.: 54): homes typically sell at or above asking (101.7% of list) (as of Jun 2026); 6% of listings had a price cut (U.S.: 26%).
• Affordability. A mortgage on the typical home takes 38% of the median household income (U.S.: 35%); it takes about $52k a year to keep the payment at 30% of gross pay. That includes about $2,036 a year for home insurance (U.S.: $1,790).
• Disaster risk. FEMA expects about $105 a year in natural-disaster damage per $100k of building value (U.S.: $155), mostly from flooding.
• Outlook. Leaning up: likely −6% to +10% over the next 12 months (72% chance of a rise).

Next 12 months

Leaning up

Prices are more likely to rise than fall over the next year. Likely change: −5.8% to +10.5% (80% range; middle estimate +3.5%), chance of a rise 72%, of a 5%+ drop 11%.

HouseVane's model, refit every month on local market signals and national ones, trained only on data known at the time. How accurate it has been.

Other ZIP codes in Nacogdoches County, TX