Lufkin, TX
Lufkin merits investigation by income-focused buyers who can tolerate job contraction and slow resale; buyers dependent on near-term appreciation or quick exits should avoid it.
Why this market scores where it does
Written from the figures on this page and then checked against them: every number below had to appear in the source record or recompute from two that did, or the text was rewritten.
Lufkin merits investigation by income-focused buyers who can tolerate job contraction and slow resale; buyers dependent on near-term appreciation or quick exits should avoid it. Median asking rent rose 7.38% while home value fell 0.61%, and the recorded gross yield is 7.79%.
The opportunity is rental income at a $205,892 median value, with rent consuming 26.31% of median household income. But the labor signal is poor: employment fell 3.02%, and migration was slightly negative. Strong rent movement therefore sits against weaker labor and migration signals rather than confirming broad market strength.
Exit and carrying risk require discipline. Homes face 11.8 months of supply, a 91-day median marketing period, and price cuts on 32.72% of listings. The published annual building-value loss ratio is 0.1044%, but inland flood is the dominant hazard. Underwrite vacancy, resale time, and property-level flood exposure before proceeding.
Frequently Asked Investor Questions
What supports the rental-income case?
What do current resale conditions show?
What do migration filings show?
Investor Quick Takeaways
Computed from the current Zillow rent and home-value medians.
Zillow ZORI rent growth trend over trailing 12 months.
Originated investment purchase share (CFPB HMDA).
Annualized loss ratio evaluated for flood & hurricane risk.
Test the market, then test the deal
Keep Lufkin as the starting point or move into a more specific property and rent check.
The current market in eight signals
Fast-moving Redfin conditions sit beside the slower fundamentals so a buyer can separate today's negotiating climate from the long-run investment case.
What each component measures
Weights are published, not hidden, and the arithmetic is shown. Five components, each measured as a national percentile across all tracked metros.
| Signal | Score | Weight | Points |
|---|---|---|---|
| Job growth | 4 | 30% | 1.20 |
| Rent trend | 89 | 25% | 22.25 |
| Affordability | 39 | 15% | 5.85 |
| Supply pressure | 28 | 15% | 4.20 |
| Climate risk | 81 | 15% | 12.15 |
| Published score | 46 | ||
LAUS employment fell 3.02% -> rent and occupancy assumptions lack support from job growth.
Median asking rent rose 7.38% and gross yield is 7.79% -> rental economics are the clearest opportunity.
Median asking rent is $1,337 versus $1,021 FMR, a calculated $316 gap -> FMR-linked units need separate rent underwriting.
Supply stands at 11.8 months and median days on market at 91 -> buyer leverage comes with slow-exit risk.
The annual building-value loss ratio is 0.1044%, but inland flood is dominant -> screen each property's water exposure rather than relying on the metro ratio.
What this market costs and what it earns
Every derived ratio below recomputes from the same source record used by the article and score.
What is being built, and for whom
Permits are the 12-to-24 month early warning. The total matters less than the mix: apartments compete with a rental the day they open.
Demand, and the competition for it
Tax filings say how many households moved and what they earn; mortgage disclosures say how many local purchases went to someone who will not live there. Moves between counties inside this metro are netted out of both flow figures.
What would make this a bad buy
Generated from the same figures with the instruction to argue against the score, and published unedited. A page that only agrees with itself is an advertisement.
Three ways the case breaks
- Employment fell 3.02%, leaving rent growth without confirmation from the labor market.
- Resale is slow and price-sensitive, with 11.8 months of supply, 91 median days on market, and price drops on 32.72% of listings.
- Inland flood is the dominant hazard, leaving water-related loss risk despite the 0.1044% annual building-value loss ratio.
Move from the metro average to local evidence
County pages carry tax, migration, listing and hazard records. City pages appear only where direct city price, rent and Census evidence pass the publication gate.
No city in this metro has passed the current city evidence gate.
Metros that behave like Lufkin
Nearest neighbours on price level, income, yield and job growth — not on geography. Every market page gets a different peer set, which is the point.
| Metro | Score | Price | Rent | Yield | Job Growth |
|---|---|---|---|---|---|
| Lufkin, TX (Target) | 46 | $206k | $1,337 | 7.8% | ▼ 3.0% |
| Albany, GA | 21 | $171k | $1,061 | 7.5% | ▼ 2.8% |
| Cumberland, MD | 44 | $173k | $1,011 | 7.0% | ▼ 2.3% |
| Dalton, GA | 43 | $252k | $1,462 | 7.0% | ▼ 2.3% |
| Hammond, LA | 24 | $226k | $1,402 | 7.4% | ▼ 1.8% |
Where every figure came from
“Checked nightly” means every source is re-pulled and re-verified each night. It does not mean every source moves nightly — the release column tells you how fresh each number can possibly be.
| Dataset Source | Method | Release Period | Pulled Date |
|---|---|---|---|
| Census ACS 5-year — household income | direct | ACS 2024 5-year | 2026-07-26 |
| Census ACS 5-year — population | direct | ACS 2024 5-year | 2026-07-26 |
| BLS CES — payroll employment | direct | CES SM current | 2026-07-26 |
| BLS LAUS — resident employment | direct | LAUS current | 2026-07-26 |
| BLS QCEW — county employment and wages | direct | annual county employment and wages 2025 vs 2024 | 2026-07-31 |
| OMB/BLS delineation — metro geography | direct | OMB July 2023 delineation | 2026-07-30 |
| Census Building Permits Survey — permitted units | direct | BPS through 2026 | 2026-07-26 |
| Census ACS 5-year — city population, households and housing | direct | ACS 2024 5-year | 2026-07-29 |
| Census ACS 5-year — county housing value, tenure and stock | direct | ACS 2024 5-year | 2026-07-30 |
| Census ACS 5-year — cities and communities | direct | ACS 2024 5-year | 2026-07-30 |
| FEMA National Risk Index — hazard loss ratios | modelled | NRI counties (FEMA ArcGIS) | 2026-07-26 |
| FHFA House Price Index — annual county appreciation | direct | annual county HPI 2025 | 2026-07-28 |
| HMDA / CFPB — purchases by occupancy type | direct | HMDA 2024 purchase originations | 2026-07-26 |
| HUD Fair Market Rents — Section 8 standard | direct | FY2026 FMR | 2026-07-26 |
| HUD USPS crosswalk and Small Area FMRs — ZIP rent fallback | direct | ZIP-CBSA 2025Q4 + SAFMR FY2026 | 2026-07-26 |
| IRS SOI — county migration and mover income | direct | SOI migration 2022-2023 | 2026-07-26 |
| Freddie Mac PMMS — mortgage rates | direct | week of 2026-07-23 | 2026-07-27 |
| Census ACS 5-year — effective property tax | direct | ACS 2024 5-year | 2026-07-27 |
| Realtor.com Economic Research — county listing inventory | direct | county inventory 2026-06 | 2026-07-28 |
| Redfin Data Center — inventory, days on market, and price cuts | direct | metro tracker through 2026-05-01 | 2026-07-26 |
| Zillow ZHVI and ZORI — county values and rents | direct | county ZHVI/ZORI 2026-06 | 2026-07-26 |
| Zillow ZHVI — metro home values | direct | Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv | 2026-07-26 |
| Zillow ZHVI — city home values | direct | zillow_zhvi_city.csv | 2026-07-29 |
| Zillow ZORI — metro market rents | direct | Metro_zori_uc_sfrcondomfr_sm_sa_month.csv | 2026-07-26 |
| Zillow ZORI — city market rents | direct | zillow_zori_city.csv | 2026-07-29 |
| Zillow ZORI — ZIP market rents | direct | ZORI ZIP 2026-06 | 2026-07-26 |