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Mount Vernon town, TX

ZIP 75457 — 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 75457

Median Home Value
$242,000
Median Rent
$732
Affordability Snapshot
$67,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,555/mo PITI).

13%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

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

27.6 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 75457 in Mount Vernon town, TX, a household would need roughly $67,000 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 $1,555. That is roughly in line with the local median household income ($68,370). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 22% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
71.0%+8% vs US avg
x
Vacancy Rate
21.9%+113% vs US avg
x
Broadband Access
85.8%-1% vs US avg
x
4+ Bedrooms
4.2%-72% vs US avg
x
Built Pre-1939
2.4%-81% vs US avg
x
Built Post-2014
1.5%-79% vs US avg
x
Rent Burden >30%
13.4%-73% vs US avg
x
Mortgage-Free
55.1%+44% vs US avg
x
$242,000
Home Value
$732
Rent
1989
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 detached77.7%
  • 1-unit attached1.7%
  • 2-9 units7.1%
  • 10+ units1.9%
  • Mobile home & other11.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$242,000
Median rent$732
Owner-occupied71.0%
Vacant21.9%
Price-to-income3.5x
Est. income to buy$67,000