Borger, TX | City Real Estate Market Analysis

Borger, Hutchinson County, Texas

City Analysis Real Estate Market TX Hutchinson County

Borger

Market Insight

Borger, TX Investment Potential Analysis

Market analysis for Borger, 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.

—

Avg. Home Value

🏠 Median residential property value in Borger.

2.47%

Property Tax Rate

🏛️ Effective property tax rate for this market.

$40,904

Avg. Household Income

💵 Average annual household income in the area.

13,141

Population

👥 Total city population estimate.

—

Unemployment Rate

📊 Local unemployment vs. national benchmark.

Borger, TX Real Estate Market Property Overview

Real estate market overview for Borger, TX, Hutchinson County
Population of 13,141
Average household income of $40,904
Property tax rate of 2.47%
Median resident age of 34.50

Property Details

City	Borger	State	Texas
County	Hutchinson	Country	USA
Population	13,141	Median Age	34.50
Avg. Household Income	$40,904	Median Home Value	N/A
Unemployment Rate	N/A	Property Tax Rate	2.47%
Top Industries	N/A	Economic Overview	N/A
Coordinates	35.6598, -101.4012	Properties Listed	0

Model investment returns using Borger, TX market data as defaults

Purchase Price ($)

Annual NOI ($)

Down Payment (%) 25%

Interest Rate (%) 5.0%

Loan Term (years) 30 years

Property Tax Rate (%) 2.47%

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

Calculating...

🚀Internal Rate of Return

Calculating...

🏛️Property Tax Analysis

Calculating...

* Calculations use Borger, 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 Borger, TX Income Property

Key questions for informed investment decisions

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

Borger's median household income of $40,904, combined with a poverty rate of 17.1% and a high health insurance coverage of 81.2%, suggests a relatively stable market with a mix of working-class and more affluent residents, driven by top industries like Finance & Insurance and Manufacturing.

How does the city's ethnic diversity and commute time impact the rental market? +

The city's diverse population, with top ethnicities including White, White Non-Hispanic, and Hispanic, contributes to a vibrant rental market, while the average commute time of 16.1 minutes and top commute methods like driving alone or carpooling indicate a convenient and accessible location for renters.

What are the key factors influencing property values and rental yields in Borger, TX? +

The median property value of $58,900, relatively low median property taxes of $3,630, and a high homeownership rate of 73.9% suggest a favorable environment for property investment, with potential for decent rental yields, especially considering the city's employed population of 5,788 and growing industries like Public Administration.

How does the city's quality of life, including health insurance coverage and commute time, affect market stability? +

Borger's high health insurance coverage of 81.2% and relatively short average commute time of 16.1 minutes contribute to a stable and attractive market for residents, which in turn supports a stable rental market and potential for long-term property appreciation.

What role do income inequality and education levels play in assessing the city's investment potential? +

The city's GINI coefficient of 0.433 indicates a moderate level of income inequality, while the high school graduation rate of 82.1% and presence of a educated workforce with 14.1% holding a Bachelor's degree or higher, suggest a relatively skilled and stable population, which can support a growing and diverse economy, including the top industries of Finance & Insurance and Manufacturing.

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

Some of the best neighborhoods to live in Borger include Fairlanes, which is known for its quiet and friendly atmosphere, and Meadowlark, which has a small shopping center and two golf courses. Other notable neighborhoods include Oliver-Eakle and Bivins, which offer a range of housing options and are relatively close to local amenities.

What are some fun things to do in Borger? +

Borger has a range of fun activities to enjoy, including visiting the Hutchinson County Historical Museum, exploring the Adobe Walls, and catching a city-sponsored event at The Dome Civic and Convention Center. You can also hike the Chad Alan Foster Memorial Trail, visit the Johnson Park Youth Center, or play a round of disc golf at the local course.

What is the food scene like in Borger? +

Borger's food scene is packed with big flavors, from Texas barbecue to classic comfort food. Some popular restaurants include Hipshots, Izzy's Kitchen, and Jesse's Burritos, as well as fine dining options like Texas Rose Steakhouse and Roma Italian Restaurant. There are also plenty of great food trucks and local eateries to try.

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

The pros of living in Borger include its small-town charm, friendly community, and range of outdoor activities. However, some cons include limited entertainment options and a relatively high crime rate. Additionally, the town's remote location may make it difficult to access certain amenities or services. Overall, Borger is a great choice for those who value a close-knit community and a relaxed pace of life.

Is Borger a good place to live? +

Borger is a great place to live for those who value a small-town atmosphere and a strong sense of community. While it may not have all the amenities of a larger city, it offers a range of outdoor activities, a growing food scene, and a relatively low cost of living. Ultimately, whether or not Borger is a good place to live depends on your individual priorities and preferences. If you're looking for a relaxed pace of life and a close-knit community, Borger may be an excellent choice.

Things Near Borger, TX

Metro Center Station

0.2 miles

Grand Central Market

0.4 miles

About Borger

Borger, TX is a city that tends to attract investors looking for a mix of affordability and potential for growth. With a population of 13,141 and a median age of 34.5, this market has a relatively young demographic. The median household income of $40,904 is moderate, but the 17.1% poverty rate suggests some risk and potential challenges for investors. On the other hand, the top industries in Borger, including finance and insurance, public administration, and manufacturing, provide a diverse economic base. The city's commute time of 16.1 minutes is relatively short, and the fact that 81.2% of residents have health insurance coverage is a positive indicator of the quality of life. The foreign-born rate of 8.5% and ethnic diversity, with 42.2% of residents identifying as White, 32.7% as White Non-Hispanic, and 15.4% as Hispanic, add to the city's cultural fabric. However, the poverty rate and income inequality, as indicated by a GINI coefficient of 0.433, are concerns that investors should carefully consider. Overall, Borger presents a complex investment landscape that requires careful analysis of both opportunities and challenges.

Population 13,141

Median Age 34.50

Avg. Household Income $40,904

Similar Properties Near Borger, 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

Borger, TX | City Real Estate Market Analysis

Borger, TX Investment Potential Analysis

Borger, 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 Borger, TX Income Property

Things Near Borger, TX

Metro Center Station

Grand Central Market

About Borger

Similar Properties Near Borger, TX

Access the REI Capital investment overview

Borger, TX | City Real Estate Market Analysis

Borger, TX Investment Potential Analysis

Borger, 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 Borger, TX Income Property

Things Near Borger, TX

Metro Center Station

Grand Central Market

About Borger

Similar Properties Near Borger, TX

Explore More in Texas

City Analysis (TX)

More Cities

Browse Properties

Access the REI Capital investment overview