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ZIP 74157 — 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 74157

Median Home Value
$96,600
Median Rent
$724
Affordability Snapshot
$27,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$621/mo PITI).

15%
Rent-to-Income Ratio

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

1.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

11.1 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 74157, a household would need roughly $27,000 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 $621. That sits below the local median household income ($56,638), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
66.8%+2% vs US avg
x
Vacancy Rate
5.7%-44% vs US avg
x
Broadband Access
89.4%+3% vs US avg
x
4+ Bedrooms
1.0%-93% vs US avg
x
Built Pre-1939
15.9%+24% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
21.8%-56% vs US avg
x
Mortgage-Free
47.0%+23% vs US avg
x
$96,600
Home Value
$724
Rent
1954
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached92.5%
  • 1-unit attached1.4%
  • 2-9 units4.1%
  • 10+ units0.8%
  • Mobile home & other1.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$96,600
Median rent$724
Owner-occupied66.8%
Vacant5.7%
Price-to-income1.7x
Est. income to buy$27,000