The story of this market
The typical home in ZIP 75954 sells for about $145,000, or $112 per square foot.
Prices are up +3.2% from a year ago, so sellers still have some momentum. Homes take about 88 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $950 a month.
ZIP 75954 — Joaquin
The housing market in 75954 is a low-volume, rural market characterized by stable, modest price appreciation. Activity is driven by local demand rather than speculative investment, resulting in a balanced market with limited inventory turnover.
This ZIP is best suited for families and individuals seeking a rural, low-cost-of-living environment with strong community ties.
Median prices moved up 3.2% year over year.
Homes spend a median of 88 days on market with 6.0 months of supply — a balanced-paced market.
13% of listings have cut prices · homes sell at 96.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 5.8% · poverty 18.4% — a mixed stability 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 8.8%/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 6.7%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
ZCTA 75954, Shelby County TX
Schools in the Joaquin Independent School District generally serve the area, with performance metrics typical of rural East Texas districts.
The area is subject to standard regional risks including severe thunderstorms and potential flooding in low-lying areas near the Sabine River basin.
Economic momentum is primarily driven by local agriculture, timber, and small-scale industrial operations with limited large-scale commercial development.
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 typically traveling to nearby employment hubs in Center, TX or across the border into Louisiana.
Recreational opportunities are centered on outdoor activities, including proximity to the Sabine River and local community parks.
The rental market is characterized by low inventory and primarily consists of single-family homes, with limited multi-family supply.
The local economy is heavily reliant on the timber industry, agriculture, and regional logistics support.
Transportation is exclusively via state highways and rural county roads with no public transit infrastructure.
There are no major commercial or residential developments currently in the pipeline for this rural ZIP code.
The Shelby County Appraisal District manages property assessments for all taxing jurisdictions within the county.
Parcels are subject to Joaquin ISD taxes and standard county-level service district levies.
Property insurance premiums are influenced by regional wind and storm risk profiles common to East Texas.
Data retrieved from US Census Bureau ZCTA-level tables.
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.
Provides local fishing and outdoor recreation access.
Local community space for outdoor gatherings.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.