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Melissa city, TX

ZIP 75454 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 75454

Median Home Value
$421,700
Median Rent
$1,832
Affordability Snapshot
$116,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,709/mo PITI).

16%
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.

19.2 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 75454 in Melissa city, TX, a household would need roughly $116,000 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 $2,709. That sits below the local median household income ($135,556), 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

Newer development area (21% built after 2014)

Owner Occupied
88.0%+35% vs US avg
x
Vacancy Rate
3.3%-68% vs US avg
x
Broadband Access
96.9%+11% vs US avg
x
4+ Bedrooms
6.2%-58% vs US avg
x
Built Pre-1939
0.3%-98% vs US avg
x
Built Post-2014
20.5%+197% vs US avg
x
Rent Burden >30%
33.4%-33% vs US avg
x
Mortgage-Free
17.8%-53% vs US avg
x
$421,700
Home Value
$1,832
Rent
2014
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached91.3%
  • 1-unit attached0.9%
  • 2-9 units0.7%
  • 10+ units2.2%
  • Mobile home & other4.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$421,700
Median rent$1,832
Owner-occupied88.0%
Vacant3.3%
Price-to-income3.1x
Est. income to buy$116,000