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Lovelady city, TX

ZIP 75851 — 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 75851

Median Home Value
$165,500
Median Rent
$692
Affordability Snapshot
$46,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,063/mo PITI).

12%
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.

19.9 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 75851 in Lovelady city, TX, a household would need roughly $46,000 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 $1,063. That sits below the local median household income ($66,500), 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 37% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
88.5%+35% vs US avg
x
Vacancy Rate
36.7%+257% vs US avg
x
Broadband Access
84.1%-3% vs US avg
x
4+ Bedrooms
1.3%-91% vs US avg
x
Built Pre-1939
1.9%-85% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
3.4%-93% vs US avg
x
Mortgage-Free
63.5%+66% vs US avg
x
$165,500
Home Value
$692
Rent
1987
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 detached67.5%
  • 1-unit attached1.9%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other30.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$165,500
Median rent$692
Owner-occupied88.5%
Vacant36.7%
Price-to-income2.5x
Est. income to buy$46,000