{"area":{"county":"Culberson County","state":"TX","stateName":"Texas","slug":"culberson-tx","metro":null},"homeValue":{"series":[{"date":"2021-04-01","value":66478},{"date":"2021-07-01","value":69790},{"date":"2021-10-01","value":72834},{"date":"2022-01-01","value":75793},{"date":"2022-04-01","value":79287},{"date":"2022-07-01","value":79300},{"date":"2022-10-01","value":79424},{"date":"2023-01-01","value":79474},{"date":"2023-04-01","value":80124},{"date":"2023-07-01","value":81301},{"date":"2023-10-01","value":81359},{"date":"2024-01-01","value":81880},{"date":"2024-04-01","value":82365},{"date":"2024-07-01","value":82520},{"date":"2024-10-01","value":83202},{"date":"2025-01-01","value":83634},{"date":"2025-04-01","value":82793},{"date":"2025-07-01","value":82593},{"date":"2025-10-01","value":82741},{"date":"2026-01-01","value":82604},{"date":"2026-04-01","value":83170}],"latest":83170,"yoy":0.4553525056466126,"fiveYr":25.109058635939707,"sinceStart":344.260456172213,"modeled":true},"rent":{"series":[{"date":"2026-11-01","value":1078}],"latest":1078,"yoy":null,"fiveYr":null,"sinceStart":null,"modeled":true},"census":{"medianIncome":58777,"population":2195,"povertyRate":19.47634359209922,"medianHomeValue":79300,"medianGrossRent":1043,"medianPropertyTax":769},"hud":{"county":"Culberson County","year":"2027","perUnit":1078,"bedrooms":2,"estimated":false,"baseBedrooms":2},"crime":{"scope":"state","state":"Texas","period":"11-2024 to 10-2026","window":{"from":"11-2024","to":"10-2026","fellBack":false},"violentCrime":{"total":200412,"ratePer100k":316.00935243374596},"propertyCrime":{"total":1038472,"ratePer100k":1637.4611512313488},"note":"State-level totals from the FBI CDE summarized offense endpoint."},"crimeVintage":{"from":"11-2024","to":"10-2026","fellBack":false},"priceToRentRatio":6.4,"ratioVerdict":"Favorable for buying — price-to-rent favors owning (modeled investor cash flow is positive at standard assumptions)","priceCagr":4.582836173401561,"rentCagr":3,"cashFlow":{"price":83170,"monthlyRent":1078,"grossRent":1078,"downPct":20,"ratePct":6.75,"units":1,"state":"TX","down":16634,"loan":66536,"mortgagePI":431.551229532628,"monthlyTax":67.22908333333334,"taxRatePct":0.97,"taxRateSource":"Census ACS county effective rate 0.97% ($769 tax ÷ $79,300 ACS median), applied to current value","monthlyInsurance":58.912083333333335,"insuranceRatePct":0.85,"insuranceBasis":"Insurance: state-level estimate (TX avg 0.85%/yr)","insuranceHighRisk":true,"vacancyPct":5,"vacancyLoss":53.900000000000006,"egi":1024.1,"mgmtPct":10,"monthlyMgmt":107.80000000000001,"maintenancePct":5,"monthlyMaint":53.900000000000006,"capexPct":5,"monthlyCapex":53.900000000000006,"hoaMonthly":0,"monthlyHoa":0,"operatingExpenses":341.7411666666667,"noi":682.3588333333332,"totalExpenses":773.2923961992947,"cashFlow":250.80760380070524,"annualCf":3009.691245608463,"cocReturn":18.093610951114965,"capRate":9.845263917277864},"resilience":{"scenarios":[{"id":"rentDown","label":"Rent drops 10%","kind":"standard","detail":"Standard assumption","cashFlow":169.95760380070533,"delta":-81,"survives":true},{"id":"vacancy","label":"Vacancy stretches to 8%","kind":"standard","detail":"Standard assumption","cashFlow":218.46760380070532,"delta":-32,"survives":true},{"id":"insurance","label":"Insurance costs rise 25%","kind":"standard","detail":"Standard assumption","cashFlow":236.07958296737195,"delta":-15,"survives":true},{"id":"rateReset","label":"If financed at 8.25% instead","kind":"standard","detail":"Fixed-rate comparison — the deal if you'd borrowed at a higher rate today; your actual fixed payment never resets","cashFlow":182.49608566201,"delta":-68,"survives":true},{"id":"historyHome","label":"Worst market shock in available history (since 1991-01-01) (home values −2.6% over 9 months)","kind":"history","detail":"History-derived proxy: worst decline found in any window of up to 12 months in the state FHFA home-value series, 2010-04-01 → 2011-01-01, applied to rent","cashFlow":229.66658181547632,"delta":-21,"survives":true}],"survived":5,"total":5,"score":100,"worstCashFlow":169.95760380070533,"baselineCashFlow":250.80760380070524,"framing":"scored","confidenceLabel":"verified","omitted":[],"note":"Each scenario re-runs the same verified cash-flow engine with one shock applied, then re-checks the cash-flow identity before display. Standard shocks are fixed assumptions; the history-derived scenario is this market's own worst observed 12-month decline. Estimates only — not a guarantee of performance."},"rentVsBuy":{"years":7,"priceCagr":4.582836173401561,"rentCagr":3,"totalRentPaid":99121.61077120395,"totalCashOutlay":75952.18092759344,"insuranceBasis":"Insurance: state-level estimate (TX avg 0.85%/yr)","homeValueAfter":113812.40699234718,"equityBuilt":53406.05375024018,"netCostOfBuying":39180.12717735326,"buyingCheaper":true,"savings":59941.483593850695},"priceToIncome":{"ratio":1.4150092723344165,"price":83170,"medianIncome":58777,"label":"Affordable (≤3x income — historical rule of thumb)"},"countyTaxRatePct":0.97,"countyTaxSource":"Census ACS county effective rate 0.97% ($769 tax ÷ $79,300 ACS median), applied to current value","dataCheck":{"status":"verified","checks":[{"metric":"home value (vintage update)","primary":83170,"secondary":79300,"primarySource":"current estimate (ACS county median × FHFA state HPI growth)","secondarySource":"raw ACS 2023 county median (as measured ~2021)","ratio":1.05,"grade":"verified","consistent":true,"hidePoint":false},{"metric":"HUD fair market rent","primary":1078,"secondary":1043,"primarySource":"HUD FMR (county)","secondarySource":"Census ACS (county gross rent)","ratio":1.03,"grade":"verified","consistent":true,"hidePoint":false}],"confidence":{"homeValue":{"label":"verified","ratio":1.05,"sources":["current estimate (ACS county median × FHFA state HPI growth)","raw ACS 2023 county median (as measured ~2021)"],"hidePoint":false,"range":{"low":79300,"high":83170}},"rent":{"label":"verified","ratio":1.03,"sources":["HUD FMR (county)","Census ACS (county gross rent)"],"hidePoint":false,"range":{"low":1043,"high":1078}},"income":{"label":"estimate","sources":["Census ACS"]},"crime":{"label":"estimate","sources":["FBI CDE"]}},"note":"Every headline metric is checked against a second figure, and each check names its own basis. The rent and property-price checks pair genuinely independent datasets (HUD FMR vs Census ACS gross rent; your price vs the county estimate). The home-value check compares our current estimate (ACS county median updated by the FHFA state index) against the raw ACS 2023 median — its spread reflects price movement since the ACS measurement period (~2021), not disagreement between unrelated sources. 'Verified' means the two figures agree within 15%; 'Cross-checked' means they diverge more than 15%; 'Divergent' flags a >2x difference. A spread beyond 35% is too wide to defend a single point — the headline shows the source range instead, flagged 'sources disagree'."},"integrity":{"status":"pass","checks":[{"name":"home value freshness","status":"pass","detail":"latest 2026-04-01 (228d old — current for quarterly cadence)"},{"name":"home value card↔chart","status":"pass","detail":"card matches chart"},{"name":"home value growth window","status":"pass","detail":"growth matches the 5.0yr available window"},{"name":"rent freshness","status":"pass","detail":"latest 2026-11-01 (14d old — current for monthly cadence)"},{"name":"rent card↔chart","status":"pass","detail":"card matches chart"},{"name":"cash flow identity","status":"pass","detail":"NOI − P&I = cash flow"},{"name":"cash-on-cash","status":"pass","detail":"annual CF ÷ down matches"},{"name":"cap rate","status":"pass","detail":"NOI×12 ÷ price matches"},{"name":"price-to-rent","status":"pass","detail":"price ÷ (rent×12) matches"},{"name":"income plausibility","status":"pass","detail":"within expected range"},{"name":"price-to-income","status":"pass","detail":"price ÷ income matches"},{"name":"buy-vs-rent: home value at term","status":"pass","detail":"compounds at 4.6%/yr"},{"name":"buy-vs-rent: total rent paid","status":"pass","detail":"geometric series matches"},{"name":"buy-vs-rent: equity built","status":"pass","detail":"home value − loan balance matches"},{"name":"buy-vs-rent: net cost","status":"pass","detail":"outlay − equity gain matches"},{"name":"buy-vs-rent: savings & verdict","status":"pass","detail":"savings = rent − net cost, verdict matches"}],"summary":"16/16 verified","freshness":{"homeValue":{"date":"2026-04-01","ageDays":228,"cadence":"quarterly","current":true},"rent":{"date":"2026-11-01","ageDays":14,"cadence":"monthly","current":true}}},"confidence":{"homeValue":{"label":"verified","ratio":1.05,"sources":["current estimate (ACS county median × FHFA state HPI growth)","raw ACS 2023 county median (as measured ~2021)"],"hidePoint":false,"range":{"low":79300,"high":83170}},"rent":{"label":"verified","ratio":1.03,"sources":["HUD FMR (county)","Census ACS (county gross rent)"],"hidePoint":false,"range":{"low":1043,"high":1078}},"income":{"label":"estimate","sources":["Census ACS"]},"crime":{"label":"estimate","sources":["FBI CDE"]}},"verdict":"Culberson County, TX leans favorable for buying: a price-to-rent ratio of 6.4 favors owning at the median, and modeled investor cash flow is positive (251/mo at standard assumptions).","faqs":[{"q":"Is Culberson County, TX a good rental market?","a":"For owning at the median, yes — Culberson County's price-to-rent ratio of 6.4 is in the favorable range, and modeled investor cash flow is positive (about $251/mo at 20% down)."},{"q":"What is the median home value in Culberson County?","a":"The typical home value in Culberson County is about $83,170 (county-level, Census ACS & FHFA state HPI), up 0.5% year-over-year, and up 25.1% over five years."},{"q":"What is the median rent in Culberson County?","a":"The typical rent in Culberson County is about $1,078/mo (county-level, HUD 2-bedroom benchmark bridged from Census ACS gross rent), a current modeled estimate."},{"q":"Is it cheaper to rent or buy in Culberson County?","a":"Over a 7-year horizon, buying is cheaper in Culberson County — roughly $59,941 ahead of renting, with about $53,406 in equity built."},{"q":"Is Culberson County affordable for homebuyers?","a":"Culberson County's median home value is 1.4x the local median household income — Affordable (≤3x income — historical rule of thumb)."},{"q":"What is the property tax rate in Culberson County?","a":"Culberson County's effective property tax rate is about 0.97% of home value (Census ACS county effective rate 0.97% ($769 tax ÷ $79,300 ACS median), applied to current value), which on a $83,170 median home is roughly $67/mo."}],"takeaways":["The median home value in Culberson County, TX was $83,170 as of April 2026, up 0.5% year over year (FHFA HPI applied to the Census ACS county median).","The typical market rent in Culberson County, TX was $1,078/mo as of November 2026, a current modeled estimate (HUD Fair Market Rent, FY2027, bridged from Census ACS gross rent).","Culberson County, TX has a price-to-rent ratio of 6.4 — a reading that favors owning (owner-occupant math — not automatically strong investor cash flow). (Computed by Areal from the figures above.)"],"citationSources":[{"name":"U.S. Census Bureau — ACS ACS 2024 5-year estimates","url":"https://www.census.gov/programs-surveys/acs/"},{"name":"FHFA House Price Index","url":"https://www.fhfa.gov/data/hpi"},{"name":"HUD Fair Market Rent","url":"https://www.huduser.gov/portal/datasets/fmr.html"},{"name":"FBI Crime Data Explorer","url":"https://cde.ucr.cjis.gov/"}],"jsonApi":{"function":"getCountyReport","query":"slug=culberson-tx","url":"https://areal.studio/functions/getCountyReport?slug=culberson-tx"},"assumptions":{"downPct":20,"ratePct":6.75,"years":7},"dataVintage":{"pulledAt":"2026-11-14T21:36:27.197Z","homeValueBasis":"FHFA state HPI (quarterly) × ACS county anchor","rentBasis":"HUD county FMR — flat current estimate (modeled, no public trend)","zhviThrough":null,"zoriThrough":null,"fhfaHpiThrough":"2026-04-01","hpiLevel":"state","hpiMetro":null,"acsVintage":"ACS 2024 5-year estimates","acsVintageMisses":[],"hudFy":"2027","safmrFy":null},"zipAnchors":{"homeValueTier":"county-fhfa-acs","rentTier":"county-acs-hud","zhvi":null,"zori":null,"safmr":null,"countyHomeEstimate":83170,"countyFmr":1078,"countyRatio":null,"hpiLevel":"state","hpiMetro":null},"links":{"stateDir":"TX","stateName":"Texas","cityPages":[],"zips":[]},"sources":["Census ACS 5-year","FHFA HPI","HUD Fair Market Rent","FBI CDE (state-level context)"]}