Bonham, TX | City Real Estate Market Analysis

Bonham, Fannin County, Texas

City Analysis Real Estate Market TX Fannin County

Bonham

Market Insight

Bonham, TX Investment Potential Analysis

Market analysis for Bonham, TX will appear here once data is available. This section will surface investment opportunities, risk assessments, neighbourhood trends, and local real estate insights specific to this market.

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Avg. Home Value

🏠 Median residential property value in Bonham.

1.41%

Property Tax Rate

🏛️ Effective property tax rate for this market.

$35,168

Avg. Household Income

💵 Average annual household income in the area.

10,083

Population

👥 Total city population estimate.

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Unemployment Rate

📊 Local unemployment vs. national benchmark.

Bonham, TX Real Estate Market Property Overview

Real estate market overview for Bonham, TX, Fannin County
Population of 10,083
Average household income of $35,168
Property tax rate of 1.41%
Median resident age of 38.30

Property Details

City	Bonham	State	Texas
County	Fannin	Country	USA
Population	10,083	Median Age	38.30
Avg. Household Income	$35,168	Median Home Value	N/A
Unemployment Rate	N/A	Property Tax Rate	1.41%
Top Industries	N/A	Economic Overview	N/A
Coordinates	33.5880, -96.1901	Properties Listed	0

Model investment returns using Bonham, TX market data as defaults

Purchase Price ($)

Annual NOI ($)

Down Payment (%) 25%

Interest Rate (%) 5.0%

Loan Term (years) 30 years

Property Tax Rate (%) 1.41%

Holding Period (years) 5 years

Annual Appreciation (%) 3.0%

Down Payment Amount:$125,000

Loan Amount:$375,000

Monthly Mortgage:$2,012

Monthly Tax:$490

Total Monthly Payment:$2,502

Monthly Cash Flow:$581

Cash on Cash Return:5.6%

Cap Rate:5.0%

Debt Coverage Ratio:1.23x

IRR (5 years):8.4%

Projected Property Value:$579,637

Total Equity:$234,891

📊Monthly Payment Analysis

Calculating...

💵Cash on Cash Return

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🚀Internal Rate of Return

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🏛️Property Tax Analysis

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* Calculations use Bonham, TX median home value as the default purchase price. All figures are estimates only. Consult financial and legal professionals before investing.

Direct Property Ownership

Concentrated exposure to one property and market
Debt service, refinancing, and rate sensitivity
Active leasing, vendor, and asset oversight
Vacancy, capex, and maintenance obligations
Illiquid exit process with timing risk
Transaction costs can compress realized returns

Projected direct ownership outcome Calculating… —

REI Capital Platform Exposure

Passive exposure without direct operator liability
Institutional underwriting and acquisition discipline
Professional asset management and reporting
Strategy designed to reduce single-asset concentration
9% annual target growth projection for comparison
Curated deal flow with a passive capital framework

Projected platform exposure at 9% target Calculating… —

Projected difference —

Calculating the comparison…

* REI Capital Growth uses a 9% target annual growth projection for comparison only. Returns are not guaranteed and actual results may vary. Consult a financial professional before making investment decisions.

Accredited Investors

Deploy capital into a professionally managed real estate strategy without taking on daily operator responsibilities.

Family Offices

Evaluate long-duration CRE exposure with an emphasis on underwriting discipline and capital preservation.

1031 Exchange Buyers

Compare direct replacement ownership against passive alternatives with reduced operational complexity.

High-Income Professionals

Access commercial real estate exposure while preserving time, focus, and liquidity for core priorities.

Where Your NOI Goes Each Month

* Distribution based on current inputs. Actual expenses may vary.

ROI Over Time: Direct Ownership vs REI Capital

* Property return uses a conservative 3.8%–4.2% annual capital appreciation assumption. REI Capital uses a 9% target projection. Returns are not guaranteed.

Deployment Scenario Analysis

Your Down Payment: Direct Ownership vs REI Capital Platform Exposure

Same starting capital. Compare a direct ownership path against passive capital deployment through REI Capital.

Direct ownership (3.8%–4.2% appreciation) REI Capital (9% target)

* "Direct ownership" shows the same down payment growing at the selected 3.8%–4.2% annual capital appreciation rate. "REI Capital" shows the same down payment growing at 9% annual target. Returns are not guaranteed.

Allocation Rationale

Why sophisticated investors choose passive CRE exposure

Direct ownership can be powerful, but it also concentrates capital, time, and execution risk into one asset. Passive CRE exposure helps investors participate in professionally managed real estate strategies while reducing the operational burden of owning the property themselves.

Professional underwriting before capital deployment
Reduced exposure to single-asset operational demands
Access to institutional sourcing and asset management
Passive framework built for long-term capital strategy
Clearer comparison against direct ownership costs
Time-efficient exposure for qualified investors

Investor Materials

A more efficient way to deploy capital

The analysis above is only the starting point. Review the REI Capital investment materials to understand the acquisition strategy, underwriting framework, risk controls, and investor onboarding process behind the 9% target projection.

Acquisition strategy & deal flow
Underwriting and risk framework
Platform team and execution process
Investor qualification and next steps

Access Investment Materials

For qualified investors · Private overview · PDF access

Investment Due Diligence For Bonham, TX Income Property

Key questions for informed investment decisions

What's the overall investment potential of Bonham, TX, considering its demographics and economy? +

Bonham's median household income of $35,168, combined with a poverty rate of 20.8% and a health insurance coverage of 81.1%, suggests a working-class market with some employment stability, which could be attractive for investors looking for affordable housing opportunities. The city's top industries, including Professional, Scientific, & Management, and Public Administration, also indicate a diverse economy. Additionally, the average commute time of 19.7 minutes and top commute methods like Drove Alone and Carpooled suggest a relatively convenient location for residents.

How does the ethnic diversity and foreign-born rate impact the demand for housing in Bonham, TX? +

The city's ethnic diversity, with top ethnicities including White, White Non-Hispanic, and Hispanic, and a foreign-born rate of 8.4%, may contribute to a culturally rich and dynamic community, which can be appealing to investors looking for areas with potential for growth and development. Furthermore, the median property value of $85,300 and median property taxes of $1,706 suggest relatively affordable housing options, which could be attractive to a diverse range of buyers and renters.

What are the implications of Bonham's poverty rate and health insurance coverage for real estate investors? +

The poverty rate of 20.8% and health insurance coverage of 81.1% in Bonham suggest that investors may need to carefully assess the creditworthiness and employment stability of potential tenants. However, the city's employed population of 3,052 and top industries like Professional, Scientific, & Management, and Public Administration indicate a relatively stable economy, which could mitigate some of the risks associated with poverty and limited health insurance coverage.

How does the commute time and transportation infrastructure impact the quality of life for residents in Bonham, TX? +

The average commute time of 19.7 minutes in Bonham is relatively short, and the top commute methods like Drove Alone, Carpooled, and Worked At Home suggest a convenient and flexible transportation infrastructure. This, combined with the city's health insurance coverage of 81.1% and a relatively low poverty rate compared to other cities, may contribute to a high quality of life for residents, making it an attractive location for investors looking for stable and long-term rental income.

What are the potential risks and opportunities for real estate investors in Bonham, TX, considering its economic and demographic profile? +

Bonham's economic profile, with a GINI coefficient of 0.436 and a poverty rate of 20.8%, suggests some level of income inequality and economic risk. However, the city's diverse economy, relatively affordable housing options, and convenient transportation infrastructure may also present opportunities for investors looking for undervalued properties or redevelopment projects. Additionally, the city's ethnic diversity and foreign-born rate may contribute to a dynamic and growing community, which could drive demand for housing and support long-term investment growth.

What are some of the best neighborhoods to live in Bonham? +

Some of the best neighborhoods to live in Bonham, TX include Inglish and areas in the southwest parts of the city. These neighborhoods offer a range of housing options and are considered desirable due to their location and amenities. Additionally, neighborhoods like Birds and Dog Friendly areas are also popular among families and individuals looking for a peaceful and quiet environment.

What are some fun things to do in Bonham? +

There are plenty of fun things to do in Bonham, TX. You can visit the Bonham State Park, explore the Fort Inglish Village, or check out the Sam Rayburn House State Historic Site. The city also hosts events like the Bonham Trade Days, and there are several museums and libraries to explore, such as the Sam Rayburn Library and Museum. For outdoor enthusiasts, the North Texas Safari Park is a great place to visit.

What is the food scene like in Bonham? +

The food scene in Bonham, TX is diverse and offers a range of options. You can find great steaks at Roma Italian Restaurant, or try some Korean and Vietnamese cuisine at K Garden or Bamboo House. There are also plenty of great food trucks, like J&S BBQ, that offer slow-smoked BBQ and homemade rubs and sauces. Additionally, restaurants like Juniper Kitchen, Belle Rae's Cafe & Catering, and Muddbones are highly rated and popular among locals and visitors.

What are the pros and cons of living in Bonham? +

The pros of living in Bonham, TX include its small-town charm, affordable housing options, and a range of outdoor recreational activities. However, the city also has some challenges, such as a limited job market and a higher poverty rate compared to other cities in the state. Additionally, the city's remote location may make it difficult for some people to access certain amenities or services. Overall, Bonham is a great place to live for those who value a quiet and peaceful environment and are willing to trade off some conveniences for a more laid-back lifestyle.

Is Bonham a good place to live? +

Bonham, TX can be a good place to live for the right person. The city offers a unique blend of small-town charm and outdoor recreational opportunities, and its affordable housing options make it an attractive choice for families and individuals looking for a more laid-back lifestyle. However, the city's limited job market and higher poverty rate may be a concern for some people. Ultimately, whether or not Bonham is a good place to live depends on your individual priorities and preferences. If you value a quiet and peaceful environment, outdoor recreation, and a strong sense of community, Bonham may be a great fit for you.

Things Near Bonham, TX

Metro Center Station

0.2 miles

Grand Central Market

0.4 miles

About Bonham

Bonham, TX is a city that tends to attract investors looking for affordable housing options, with a median property value of $85,300 and a median household income of $35,168. The population of 10,083 has a median age of 38.3, and the top industries include professional services, public administration, and agriculture. However, the 20.8% poverty rate suggests some risk, and the GINI coefficient of 0.436 indicates a moderate level of income inequality. On the other hand, the average commute time of 19.7 minutes is relatively short, and 81.1% of the population has health insurance coverage. The foreign-born rate of 8.4% and the top ethnicities of White, White Non-Hispanic, and Hispanic also contribute to the city's diversity. While the poverty rate and income inequality are challenges, the city's affordability and relatively low commute time make it an attractive option for some investors. Additionally, the homeownership rate of 57.2% and the top commute methods of driving alone, carpooling, and working from home suggest a relatively stable community. Overall, Bonham, TX is a city that requires careful consideration of both its opportunities and challenges, with a particular focus on addressing poverty and income inequality.

Population 10,083

Median Age 38.30

Avg. Household Income $35,168

Similar Properties Near Bonham, TX

Investor Materials

Access the REI Capital investment overview

Review the acquisition strategy, underwriting framework, risk considerations, and investor onboarding process in one private PDF.

Access Investment Materials

CRE Admin

Bonham, TX | City Real Estate Market Analysis

Bonham, TX Investment Potential Analysis

Bonham, TX Real Estate Market Property Overview

Property Details

Direct ownership vs. passive CRE platform exposure

Built for investors evaluating passive commercial real estate exposure

Accredited Investors

Family Offices

1031 Exchange Buyers

High-Income Professionals

Where Your NOI Goes Each Month

ROI Over Time: Direct Ownership vs REI Capital

Your Down Payment: Direct Ownership vs REI Capital Platform Exposure

Why sophisticated investors choose passive CRE exposure

A more efficient way to deploy capital

Investment Due Diligence For Bonham, TX Income Property

Things Near Bonham, TX

Metro Center Station

Grand Central Market

About Bonham

Similar Properties Near Bonham, TX

Access the REI Capital investment overview

Bonham, TX | City Real Estate Market Analysis

Bonham, TX Investment Potential Analysis

Bonham, TX Real Estate Market Property Overview

Property Details

Direct ownership vs. passive CRE platform exposure

Built for investors evaluating passive commercial real estate exposure

Accredited Investors

Family Offices

1031 Exchange Buyers

High-Income Professionals

Where Your NOI Goes Each Month

ROI Over Time: Direct Ownership vs REI Capital

Your Down Payment: Direct Ownership vs REI Capital Platform Exposure

Why sophisticated investors choose passive CRE exposure

A more efficient way to deploy capital

Investment Due Diligence For Bonham, TX Income Property

Things Near Bonham, TX

Metro Center Station

Grand Central Market

About Bonham

Similar Properties Near Bonham, TX

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