US5.com
  1. Home
  2. States
  3. Texas
  4. ZIP 75440
  5. Housing & Real Estate
Emory city, TX

ZIP 75440 — 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 75440

Median Home Value
$270,400
Median Rent
$807
Affordability Snapshot
$74,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,737/mo PITI).

15%
Rent-to-Income Ratio

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

4.2x
Home Price-to-Income Ratio

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

27.9 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 75440 in Emory city, TX, a household would need roughly $74,000 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 $1,737. That is roughly in line with the local median household income ($64,893). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.3%+26% vs US avg
x
Vacancy Rate
17.6%+71% vs US avg
x
Broadband Access
92.5%+6% vs US avg
x
4+ Bedrooms
1.5%-90% vs US avg
x
Built Pre-1939
2.2%-83% vs US avg
x
Built Post-2014
2.1%-70% vs US avg
x
Rent Burden >30%
7.0%-86% vs US avg
x
Mortgage-Free
46.7%+22% vs US avg
x
$270,400
Home Value
$807
Rent
1998
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 detached76.9%
  • 1-unit attached0.9%
  • 2-9 units3.5%
  • 10+ units1.0%
  • Mobile home & other17.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$270,400
Median rent$807
Owner-occupied82.3%
Vacant17.6%
Price-to-income4.2x
Est. income to buy$74,000