The story of this market
The typical home in ZIP 76265 sells for about $296,000, or $170 per square foot.
Prices are up +5.2% from a year ago, so sellers still have some momentum. Homes take about 50 days to sell. HUD's fair market rent for a two-bedroom is $1,450 a month.
ZIP 76265 — Saint Jo
The housing market in 76265 is showing steady growth with a median price of $296,000, reflecting a 5.2% year-over-year increase. Demand remains consistent for rural residential properties, though inventory levels are tight, leading to a moderate pace of sales.
This ZIP is ideal for families and individuals seeking a quiet, rural lifestyle with a strong sense of community, as well as those looking for affordable land-heavy residential properties.
Median prices moved up 5.2% year over year.
Homes spend a median of 50 days on market with 6.2 months of supply — a balanced-paced market.
12% of listings have cut prices · homes sell at 97.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.5% · poverty 9.0% — a stable, low-distress 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 8.3%/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 6.3%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net influx — more people moved in than out
ZCTA 76265, Montague County TX
Crime rates in Saint Jo are generally low, consistent with rural Montague County trends and significantly below state and national averages.
The area is served by Saint Jo Independent School District, which maintains a small-town educational environment with a focus on community-integrated learning.
The region faces moderate risks related to wildfire and severe wind events, typical of North Texas rural landscapes; flood risk is generally localized to specific drainage areas.
Economic momentum is driven by local agriculture, small business, and regional tourism, with limited large-scale industrial development currently underway.
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).
Commuting is primarily car-dependent, with residents typically driving to larger employment hubs in the DFW metroplex or nearby Gainesville.
The area features access to rural outdoor activities, including local parks, nearby lake access, and the historic downtown Saint Jo shopping and dining district.
The rental market is characterized by low inventory and high demand for single-family homes, with limited multi-family options available.
The local economy is anchored by agriculture, small-scale retail, and regional services, with many residents commuting to larger nearby cities for employment.
Transportation is entirely reliant on private vehicles, with major highway access provided by US Highway 82.
Development is currently focused on low-density residential expansion and small-scale commercial improvements within the city limits.
The Montague Central Appraisal District manages property assessments, focusing on market-value appraisals with standard agricultural use exemptions.
Parcels are subject to Saint Jo ISD taxes and Montague County general fund levies; no major MUDs are currently active in the area.
Property insurance premiums are influenced by regional wildfire and wind risk factors, with standard coverage widely available.
Texas continues to see strong net domestic migration, with rural areas like Montague County attracting residents seeking lower costs of living.
Texas is a non-judicial foreclosure state, allowing for relatively efficient lender recovery processes under strict notice requirements.
Sellers are required to provide a standard Texas Real Estate Commission (TREC) Seller's Disclosure Notice detailing the condition of the property.
Data retrieved from data.census.gov ZCTA 76265 profile.
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.
- Rednecks With Paychecks4.75.1 mi
- Heritage Park: Muenster, TX4.610.3 mi
- 4R Ranch Vineyards and Winery4.76.6 mi
- Heritage Park: Muenster, TX4.610.3 mi
- Rednecks With Paychecks4.75.1 mi
- 4R Ranch Vineyards and Winery4.76.6 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area ranked by popularity within the radius shown.
Community park providing local green space and recreational facilities.
Features local boutiques, cafes, and historic architecture.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.