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Bonham city, TX

ZIP 75418 — 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 75418

Median Home Value
$207,600
Median Rent
$769
Affordability Snapshot
$57,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,334/mo PITI).

15%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

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

22.5 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 75418 in Bonham city, TX, a household would need roughly $57,000 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 $1,334. That is roughly in line with the local median household income ($61,265). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
68.7%+5% vs US avg
x
Vacancy Rate
12.9%+26% vs US avg
x
Broadband Access
79.8%-8% vs US avg
x
4+ Bedrooms
1.2%-92% vs US avg
x
Built Pre-1939
7.6%-40% vs US avg
x
Built Post-2014
1.8%-74% vs US avg
x
Rent Burden >30%
30.2%-39% vs US avg
x
Mortgage-Free
59.1%+55% vs US avg
x
$207,600
Home Value
$769
Rent
1980
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 detached76.8%
  • 1-unit attached0.4%
  • 2-9 units7.3%
  • 10+ units6.0%
  • Mobile home & other9.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$207,600
Median rent$769
Owner-occupied68.7%
Vacant12.9%
Price-to-income3.4x
Est. income to buy$57,000