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Celina city, TX

ZIP 75009 — Housing & Real Estate

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

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Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 75009

Median Home Value
$471,300
Median Rent
$1,634
Affordability Snapshot
$130,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,028/mo PITI).

12%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

24.0 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 75009 in Celina city, TX, a household would need roughly $130,000 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 $3,028. That sits below the local median household income ($166,064), 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
93.0%+42% vs US avg
x
Vacancy Rate
5.7%-45% vs US avg
x
Broadband Access
94.2%+8% vs US avg
x
4+ Bedrooms
20.6%+39% vs US avg
x
Built Pre-1939
3.9%-69% vs US avg
x
Built Post-2014
14.5%+110% vs US avg
x
Rent Burden >30%
6.1%-88% vs US avg
x
Mortgage-Free
23.8%-38% vs US avg
x
$471,300
Home Value
$1,634
Rent
2011
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached93.2%
  • 1-unit attached0.3%
  • 2-9 units0.8%
  • 10+ units0.3%
  • Mobile home & other5.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$471,300
Median rent$1,634
Owner-occupied93.0%
Vacant5.7%
Price-to-income2.8x
Est. income to buy$130,000