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, TX

ZIP 75486 — 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 75486

Median Home Value
$203,300
Median Rent
$1,043
Affordability Snapshot
$56,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,306/mo PITI).

12%
Rent-to-Income Ratio

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

2.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.2 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 75486 in TX, a household would need roughly $56,000 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 $1,306. That sits below the local median household income ($100,750), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
96.6%+48% vs US avg
x
Vacancy Rate
2.4%-76% vs US avg
x
Broadband Access
81.3%-7% vs US avg
x
4+ Bedrooms
2.3%-85% vs US avg
x
Built Pre-1939
4.7%-63% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
55.1%+44% vs US avg
x
$203,300
Home Value
$1,043
Rent
1989
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached80.8%
  • 1-unit attached0.0%
  • 2-9 units0.7%
  • 10+ units0.0%
  • Mobile home & other18.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$203,300
Median rent$1,043
Owner-occupied96.6%
Vacant2.4%
Price-to-income2.0x
Est. income to buy$56,000