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Richardson city, TX

ZIP 75081 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 75081

Median Home Value
$340,600
Median Rent
$1,516
Affordability Snapshot
$94,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,188/mo PITI).

20%
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.

18.7 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 75081 in Richardson city, TX, a household would need roughly $94,000 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 $2,188. That is roughly in line with the local median household income ($90,953). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
50.5%-23% vs US avg
x
Vacancy Rate
4.4%-58% vs US avg
x
Broadband Access
93.8%+8% vs US avg
x
4+ Bedrooms
1.4%-90% vs US avg
x
Built Pre-1939
0.4%-97% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
20.1%-60% vs US avg
x
Mortgage-Free
41.0%+7% vs US avg
x
$340,600
Home Value
$1,516
Rent
1979
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached56.2%
  • 1-unit attached6.3%
  • 2-9 units9.8%
  • 10+ units27.6%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$340,600
Median rent$1,516
Owner-occupied50.5%
Vacant4.4%
Price-to-income3.7x
Est. income to buy$94,000