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Rusk city, TX

ZIP 75785 — 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 75785

Median Home Value
$158,800
Median Rent
$540
Affordability Snapshot
$44,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,020/mo PITI).

10%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

24.5 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 75785 in Rusk city, TX, a household would need roughly $44,000 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 $1,020. That sits below the local median household income ($64,672), 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 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
77.3%+18% vs US avg
x
Vacancy Rate
16.5%+60% vs US avg
x
Broadband Access
83.4%-4% vs US avg
x
4+ Bedrooms
2.9%-81% vs US avg
x
Built Pre-1939
2.3%-82% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
8.8%-82% vs US avg
x
Mortgage-Free
62.6%+64% vs US avg
x
$158,800
Home Value
$540
Rent
1988
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 detached75.1%
  • 1-unit attached0.9%
  • 2-9 units1.0%
  • 10+ units2.4%
  • Mobile home & other20.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$158,800
Median rent$540
Owner-occupied77.3%
Vacant16.5%
Price-to-income2.5x
Est. income to buy$44,000