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White Oak city, TX

ZIP 75693 — 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 75693

Median Home Value
$208,600
Median Rent
$804
Affordability Snapshot
$57,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,340/mo PITI).

11%
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.

21.6 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 75693 in White Oak city, TX, a household would need roughly $57,000 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 $1,340. That sits below the local median household income ($86,326), 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 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
73.5%+12% vs US avg
x
Vacancy Rate
15.1%+47% vs US avg
x
Broadband Access
87.7%+1% vs US avg
x
4+ Bedrooms
2.9%-81% vs US avg
x
Built Pre-1939
7.6%-41% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
26.3%-47% vs US avg
x
Mortgage-Free
60.5%+58% vs US avg
x
$208,600
Home Value
$804
Rent
1980
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached70.2%
  • 1-unit attached0.0%
  • 2-9 units15.8%
  • 10+ units0.5%
  • Mobile home & other13.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$208,600
Median rent$804
Owner-occupied73.5%
Vacant15.1%
Price-to-income2.4x
Est. income to buy$57,000