US5.com
  1. Home
  2. States
  3. Texas
  4. ZIP 75094
  5. Housing & Real Estate
Murphy city, TX

ZIP 75094 — 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 75094

Median Home Value
$495,500
Median Rent
$2,258
Affordability Snapshot
$136,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,183/mo PITI).

17%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

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

18.3 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 75094 in Murphy city, TX, a household would need roughly $136,000 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 $3,183. That sits below the local median household income ($161,473), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
89.3%+36% vs US avg
x
Vacancy Rate
1.0%-90% vs US avg
x
Broadband Access
96.2%+11% vs US avg
x
4+ Bedrooms
27.8%+88% vs US avg
x
Built Pre-1939
0.2%-99% vs US avg
x
Built Post-2014
1.8%-74% vs US avg
x
Rent Burden >30%
48.4%-3% vs US avg
x
Mortgage-Free
30.2%-21% vs US avg
x
$495,500
Home Value
$2,258
Rent
2005
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached95.7%
  • 1-unit attached1.1%
  • 2-9 units0.8%
  • 10+ units1.7%
  • Mobile home & other0.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$495,500
Median rent$2,258
Owner-occupied89.3%
Vacant1.0%
Price-to-income3.1x
Est. income to buy$136,000