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Prosper town, TX

ZIP 75078 — Housing & Real Estate

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

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 75078

Median Home Value
$650,600
Median Rent
$2,055
Affordability Snapshot
$179,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,179/mo PITI).

13%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

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

26.4 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 75078 in Prosper town, TX, a household would need roughly $179,000 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 $4,179. That is roughly in line with the local median household income ($187,634). 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
89.0%+36% vs US avg
x
Vacancy Rate
5.3%-48% vs US avg
x
Broadband Access
97.8%+12% vs US avg
x
4+ Bedrooms
27.2%+84% vs US avg
x
Built Pre-1939
0.5%-96% vs US avg
x
Built Post-2014
12.4%+80% vs US avg
x
Rent Burden >30%
23.3%-53% vs US avg
x
Mortgage-Free
19.2%-50% vs US avg
x
$650,600
Home Value
$2,055
Rent
2014
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 detached91.9%
  • 1-unit attached0.7%
  • 2-9 units2.4%
  • 10+ units4.4%
  • Mobile home & other0.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$650,600
Median rent$2,055
Owner-occupied89.0%
Vacant5.3%
Price-to-income3.5x
Est. income to buy$179,000