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ZIP 74821 — 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 74821

Median Home Value
$50,800
Median Rent
$606
Affordability Snapshot
$14,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$326/mo PITI).

18%
Rent-to-Income Ratio

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

1.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

7.0 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 74821, a household would need roughly $14,000 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 $326. That sits below the local median household income ($40,556), 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

Vacancy rate 22% — check local market conditions.

Heating Fuel
Housing Metrics

Historic housing stock (22% built before 1939)

Owner Occupied
25.6%-61% vs US avg
x
Vacancy Rate
21.6%+110% vs US avg
x
Broadband Access
74.1%-15% vs US avg
x
4+ Bedrooms
0.3%-98% vs US avg
x
Built Pre-1939
21.8%+71% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
23.9%-52% vs US avg
x
Mortgage-Free
69.4%+82% vs US avg
x
$50,800
Home Value
$606
Rent
1952
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached70.4%
  • 1-unit attached0.2%
  • 2-9 units21.0%
  • 10+ units7.7%
  • Mobile home & other0.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$50,800
Median rent$606
Owner-occupied25.6%
Vacant21.6%
Price-to-income1.3x
Est. income to buy$14,000