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ZIP 74402
Housing & Real Estate

ZIP 74402 — 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 74402

Median Home Value

$102,900

Median Rent

$493

Affordability Snapshot

$28,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$661/mo PITI).

21%

Rent-to-Income Ratio

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

3.7x

Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

17.4 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 74402, a household would need roughly $28,000 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 $661. That is roughly in line with the local median household income ($27,820). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 22% — check local market conditions.

Heating Fuel

Housing Metrics

Owner Occupied

39.9%-39% vs US avg

Vacancy Rate

21.9%+112% vs US avg

Broadband Access

67.5%-22% vs US avg

4+ Bedrooms

0.7%-95% vs US avg

Built Pre-1939

12.5%-3% vs US avg

Built Post-2014

1.1%-84% vs US avg

Rent Burden >30%

33.1%-33% vs US avg

Mortgage-Free

56.5%+48% vs US avg

$102,900

Home Value

$493

Rent

1971

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 detached54.9%
1-unit attached0.0%
2-9 units18.0%
10+ units26.0%
Mobile home & other1.1%

ZIP 74402 — Housing & Real Estate

Housing & Real Estate in ZIP Code 74402

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