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ZIP 70186 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Low Income Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 70186

Median Home Value
$169,400
Median Rent
$904
Affordability Snapshot
$47,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,088/mo PITI).

58%
Rent-to-Income Ratio

Above the 30% affordability threshold — housing cost-burdened area.

9.0x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

15.6 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 70186, a household would need roughly $47,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,088. That is about 149% above the local median household income ($18,864), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
40.5%-38% vs US avg
x
Vacancy Rate
15.6%+52% vs US avg
x
Broadband Access
65.7%-24% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
1.0%-93% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
59.9%+20% vs US avg
x
Mortgage-Free
51.7%+35% vs US avg
x
$169,400
Home Value
$904
Rent
1972
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached61.5%
  • 1-unit attached18.1%
  • 2-9 units13.1%
  • 10+ units7.2%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$169,400
Median rent$904
Owner-occupied40.5%
Vacant15.6%
Price-to-income9.0x
Est. income to buy$47,000