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, TX

ZIP 75478 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 75478

Median Home Value
$117,300
Median Rent
$836
Affordability Snapshot
$32,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$754/mo PITI).

19%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

11.7 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 75478 in TX, a household would need roughly $32,000 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 $754. That sits below the local median household income ($52,188), 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
82.4%+26% vs US avg
x
Vacancy Rate
9.4%-8% vs US avg
x
Broadband Access
88.7%+2% vs US avg
x
4+ Bedrooms
4.3%-71% vs US avg
x
Built Pre-1939
3.8%-71% vs US avg
x
Built Post-2014
2.2%-69% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
63.5%+66% vs US avg
x
$117,300
Home Value
$836
Rent
1985
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 detached63.3%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units4.0%
  • Mobile home & other32.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$117,300
Median rent$836
Owner-occupied82.4%
Vacant9.4%
Price-to-income2.2x
Est. income to buy$32,000