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Rusk County, Texas

Single-family vs. condo trends, market pressure signals, and 5-year price history. Source: Redfin.

Median Sale Price
$265,000
—
Active Inventory
158
Days on Market
81 days
Price Drops
29.7%

Single-Family vs. Condo

Source: Redfin (property-type breakdown)
Single-Family Median
$265,000
+10.5% YoY
Condo / Co-op Median
$212,900
+33.1% YoY
SFR vs. Condo YoY Gap
-22.7%
condos outperforming SFR
DOM: SFR vs. Condo
81d / 102d
SFR / Condo

Buyer vs. Seller Market Indicators

Latest month — Redfin
Months of Supply
3.9 mo
Balanced

Inventory ÷ monthly sales. Below 3 = strong seller market; 3-6 balanced; above 6 = buyer market.

Sale-to-List Ratio
99.1%
At asking

Median closing price ÷ original list price. Above 100% = homes routinely closing above asking.

% Sold Above List
0%
Buyer-favorable

Share of closed sales priced above asking. The single cleanest read on bidder competition.

What does your sqft target cost in Rusk County, Texas?

$131/sqft median (Redfin)
+$0 adj
+$0 adj
optional
Estimated price
$262,397
Near median (-1% vs median)
Region median
$265,000
all homes
Price-tier reverse lookup — what sqft does each price band buy?
$600,000
≈ 4,573 sqft
$1,200,000
≈ 9,146 sqft
$2,000,000
≈ 15,244 sqft
$5,000,000
≈ 38,110 sqft

Estimate = (median $/sqft × your sqft) + bed/bath/lot adjustments. Bed and bath adjustments use Appraisal Institute / Fannie Mae standard rules of thumb (~$15K/extra bedroom, ~$20K/extra bathroom vs. a 3bd/2ba baseline; half-bath = half adj). Lot premium is a $1.50/sqft heuristic beyond a 6,000 sqft baseline — accuracy varies sharply by urban infill vs. acreage market. Quality, condition, year built, and HOA are not modeled here. For a deeper county-level hedonic AVM, see AVM Lite.

Rent + invest vs. buy + own — backtested

15-yr rolling history · S&P 500
Property type:
Upfront capital committed (both paths): $61K = 20% down + 3% closing on a $265K home
BUY + OWN
Median ending wealth $233K $142K real
Net gain on $61K upfront: $172K
Range: $233K → $233K
Wealth = home value (appreciated at 3%/yr) − remaining mortgage − 6% selling cost. Gain = wealth − upfront. Leveraged appreciation on full $265K asset comes from the 20% down.
RENT + INVEST
Median ending portfolio $519K $351K real
Net gain on $175K contributed: $344K
Range: $242K → $1.38M
Same upfront cash + each year's (own − rent) surplus invested in S&P 500 at actual annual returns. Median renter contributed $175K total.
Median wealth delta: $287K in favor of RENT + INVEST
What if you'd started in a recent year? (most-recent 15yr window: 2011–2025)
WindowBuy wealthBuy gainRent wealthRent gainWealth delta
2011–2025$233K$172K$776K$601K$543K rent
2010–2024$233K$172K$793K$618K$560K rent
2009–2023$233K$172K$764K$589K$531K rent
2008–2022$233K$172K$518K$343K$285K rent
2007–2021$233K$172K$669K$494K$437K rent
2006–2020$233K$172K$574K$399K$341K rent
2005–2019$233K$172K$514K$339K$282K rent
2004–2018$233K$172K$424K$249K$191K rent

Educational tool, not investment or real-estate advice. Past performance does not guarantee future results. Backtests use actual annual total returns including dividends from S&P 500 (Damodaran (NYU Stern) annual total return (with dividends), 1957-present.).

Buyer model: 30-yr fixed mortgage, P&I + property tax + insurance + maintenance (1% of value/yr) + HOA. Selling cost = 6%. Investor model: down payment + annual cashflow surplus invested in the chosen index at that calendar year's actual return.

Tax model: pre-tax comparison. Toggle "after-tax mode" to apply MID, SALT, LTCG, and the Sec 121 capital-gains exclusion.

This calculator does not adjust for: PMI (assumed 20%+ down), differential transaction costs by state, lifestyle factors (commute, schools, kids), illiquidity / forced-sale risk, or insurance availability constraints (e.g., FL/CA wildfire). Consult a fiduciary advisor and tax professional before acting on any of this.

Market Pressure Signals

Derived from Redfin trend
Inventory vs. Long-Term Avg
+22.2%
surplus — buyer leverage
DOM vs. 24-Mo Avg
+9.5%
currently 81 days
Long-Term Avg Inventory
129
Long-Term Avg DOM
74 days

Mortgage & Price Stress

State HPI + national delinquency
State HPI YoY
+1.1%
flat — pressure building
State HPI vs. Peak
0.0%
at or near peak peak 2025-10-01
National Mortgage Delinquency
1.89%
benchmark — 2026-01-01 county-grain delinquency requires paid data

State-grain HPI YoY + drawdown from peak is the cleanest free price-stress proxy. The national delinquency rate gives the macro mortgage-stress backdrop. True county-level mortgage delinquency lives in paid datasets (MBA NDS, CoreLogic LP).

Value Ratios

Median home price ÷ county median income
Value / Income
3.9×
fair value
Median Household Income
$67,506
Census ACS B19013

Historically affordable markets sit at 3–4× income; over 5× is stretched, over 6× is severely overvalued. Lower ratios point to bargain opportunities.

Housing Stock & Owners

Census ACS 5-year (B19013, B01003, B25002, B25003, B25034, B25007)
Population
52,613
total residents
Total Housing Units
21,258
all units, occupied + vacant
Vacancy Rate
15.5%
high vacancy
Homeownership Rate
80.0%
of occupied units owner-occupied
Boomer Owners (65+)
28.7%
of homeowner households
Millennial / Gen-X Owners (35-54)
9.6%
of homeowner households
Pre-1949 Housing Stock
12.7%
structures built before 1949

When boomer-owner share is high, expect more inventory hitting the market over the next decade as homes transition. High vacancy + high old-stock often signals deferred-maintenance markets where buyers can negotiate.

Net Migration (IRS Tax Returns)

IRS Statistics of Income — Migration Data
Net Migration
+354
gaining people (2022–2023)
Inbound Returns
932
1,931 people moved in
Outbound Returns
841
1,577 people moved out
Net Returns
+91
household-filer basis

Top 5 Origins (where movers came from)

  1. Gregg, Texas — 396 returns
  2. Smith, Texas — 209 returns
  3. Nacogdoches, Texas — 63 returns
  4. Harrison, Texas — 49 returns
  5. Tarrant, Texas — 45 returns

Top 5 Destinations (where movers went)

  1. Gregg, Texas — 357 returns
  2. Smith, Texas — 168 returns
  3. Harrison, Texas — 63 returns
  4. Nacogdoches, Texas — 59 returns
  5. Panola, Texas — 49 returns

IRS Statistics of Income tracks county-to-county migration via tax-return change-of-address. Net migration uses the exemption count (a proxy for people, including dependents). True net flow can lag by 1–2 years vs. real-time movements.

Who's Moving In (Census ACS)

Source: Census ACS B07001 (5-year)
Inbound Movers (1 yr)
5,819
11.15% of pop. — moved here from outside the county
From Other States
529
1.01% of pop. — interstate inbound
From Abroad
41
moved into the county from outside the U.S.
Same House 1 Year Ago
85%
stable residents

Census ACS asks where people lived 1 year ago, so this counts inbound movers but does not show outbound — true net migration would require IRS SOI parsing.

Trends

Up to 5 years of monthly data

Median Sale Price

Trailing 12 months

Active Inventory

Trailing 12 months

Days on Market

Trailing 12 months

Looking for state-level data? See Texas statewide stats →

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