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Dodd City town, TX

ZIP 75438 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 75438

Median Home Value
$210,200
Median Rent
$956
Affordability Snapshot
$58,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,350/mo PITI).

10%
Rent-to-Income Ratio

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

1.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

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 75438 in Dodd City town, TX, a household would need roughly $58,000 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 $1,350. That sits below the local median household income ($109,750), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
71.3%+9% vs US avg
x
Vacancy Rate
6.0%-41% vs US avg
x
Broadband Access
85.4%-2% vs US avg
x
4+ Bedrooms
3.0%-80% vs US avg
x
Built Pre-1939
0.6%-95% vs US avg
x
Built Post-2014
1.2%-82% vs US avg
x
Rent Burden >30%
20.1%-59% vs US avg
x
Mortgage-Free
56.2%+47% vs US avg
x
$210,200
Home Value
$956
Rent
1995
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached70.6%
  • 1-unit attached0.8%
  • 2-9 units0.8%
  • 10+ units0.0%
  • Mobile home & other27.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$210,200
Median rent$956
Owner-occupied71.3%
Vacant6.0%
Price-to-income1.9x
Est. income to buy$58,000