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Jefferson city, TX

ZIP 75657 — 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 75657

Median Home Value
$119,400
Median Rent
$567
Affordability Snapshot
$33,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$767/mo PITI).

14%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.5 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 75657 in Jefferson city, TX, a household would need roughly $33,000 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 $767. That sits below the local median household income ($48,983), 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

Vacancy rate 25% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
75.4%+15% vs US avg
x
Vacancy Rate
24.9%+141% vs US avg
x
Broadband Access
75.0%-14% vs US avg
x
4+ Bedrooms
2.1%-86% vs US avg
x
Built Pre-1939
4.2%-67% vs US avg
x
Built Post-2014
1.9%-73% vs US avg
x
Rent Burden >30%
9.4%-81% vs US avg
x
Mortgage-Free
69.1%+81% vs US avg
x
$119,400
Home Value
$567
Rent
1983
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached60.0%
  • 1-unit attached0.6%
  • 2-9 units5.6%
  • 10+ units0.1%
  • Mobile home & other33.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$119,400
Median rent$567
Owner-occupied75.4%
Vacant24.9%
Price-to-income2.4x
Est. income to buy$33,000