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Tool city, TX

ZIP 75143 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 75143

Median Home Value
$173,200
Median Rent
$913
Affordability Snapshot
$48,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,113/mo PITI).

16%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.8 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 75143 in Tool city, TX, a household would need roughly $48,000 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 $1,113. That sits below the local median household income ($68,996), 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 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
81.4%+24% vs US avg
x
Vacancy Rate
23.1%+125% vs US avg
x
Broadband Access
85.9%-1% vs US avg
x
4+ Bedrooms
0.9%-94% vs US avg
x
Built Pre-1939
0.4%-97% vs US avg
x
Built Post-2014
1.3%-81% vs US avg
x
Rent Burden >30%
28.0%-44% vs US avg
x
Mortgage-Free
57.1%+50% vs US avg
x
$173,200
Home Value
$913
Rent
1986
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached59.4%
  • 1-unit attached0.3%
  • 2-9 units3.1%
  • 10+ units3.2%
  • Mobile home & other34.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$173,200
Median rent$913
Owner-occupied81.4%
Vacant23.1%
Price-to-income2.5x
Est. income to buy$48,000