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ZIP 70404 — Housing & Real Estate

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

Working Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 70404

Median Home Value
$331,500
Median Rent
$774
Affordability Snapshot
$91,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,129/mo PITI).

19%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

7.0x
Home Price-to-Income Ratio

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

35.7 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 70404, a household would need roughly $91,000 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 $2,129. That is about 91% above the local median household income ($47,656), 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 29% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
37.5%-43% vs US avg
x
Vacancy Rate
29.2%+183% vs US avg
x
Broadband Access
96.7%+11% vs US avg
x
4+ Bedrooms
1.5%-90% vs US avg
x
Built Pre-1939
4.6%-64% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
48.7%-2% vs US avg
x
Mortgage-Free
39.7%+4% vs US avg
x
$331,500
Home Value
$774
Rent
1978
Year Built
2019
Moved In

Residents have lived here since ~2019 on average

Housing Structure

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

  • 1-unit detached40.8%
  • 1-unit attached0.5%
  • 2-9 units43.8%
  • 10+ units14.9%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$331,500
Median rent$774
Owner-occupied37.5%
Vacant29.2%
Price-to-income7.0x
Est. income to buy$91,000