The story of this market
The typical home in ZIP 75974 sells for about $165,000, or $112 per square foot.
Prices are up +2.4% 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 $850 a month.
ZIP 75974 — Tenaha
The housing market in 75974 is characterized by low inventory and slow turnover, reflecting its rural nature and limited economic growth. Prices remain affordable compared to state averages, though the area faces challenges with high poverty rates and limited employment opportunities. Market conditions are stable with little speculative activity.
This ZIP is best suited for budget-conscious families, retirees, and individuals seeking a quiet, rural lifestyle with a low cost of living.
Median prices moved up 2.4% year over year.
Homes spend a median of 88 days on market with 5.2 months of supply — a balanced-paced market.
12% 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 8.9% · poverty 46.0% — elevated distress and economic pressure.
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 6.7%/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 6.8%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
ZCTA 75974, Shelby County TX
Local schools are primarily served by the Tenaha Independent School District, which provides foundational education for the rural community.
The area is subject to standard East Texas weather risks, including potential for severe thunderstorms and localized flooding; property insurance availability remains stable but sensitive to regional storm activity.
Economic momentum is modest, driven primarily by local agriculture, timber, and small-scale service industries with limited large-scale industrial 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 traveling to nearby regional hubs for employment via state highways.
Recreational opportunities include local community parks and proximity to East Texas forests and lakes, offering fishing, hunting, and outdoor activities.
The rental market is characterized by limited inventory and steady demand from local workers, with rents remaining affordable relative to urban centers.
The economy is anchored by agriculture, timber production, and local government services.
Transportation is entirely reliant on private vehicles, with US Highway 59 serving as the primary corridor.
There are no major large-scale commercial or residential developments currently under construction in the immediate ZIP area.
Parcels are subject to Tenaha ISD taxes and standard county-level assessments.
Property insurance premiums are consistent with rural East Texas, reflecting moderate risk for wind and storm damage.
Texas utilizes a non-judicial foreclosure process, allowing for relatively expedited proceedings following a notice of default.
Texas law requires sellers to provide a written disclosure notice to buyers regarding the condition of the property.
Data retrieved from Census Reporter and StateDemographics.com profiles for ZCTA 75974.
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.
Local community space for outdoor recreation.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.