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Oakwood town, TX

ZIP 75855 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 75855

Median Home Value
$164,300
Median Rent
$667
Affordability Snapshot
$45,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,055/mo PITI).

19%
Rent-to-Income Ratio

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

3.9x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

20.5 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 75855 in Oakwood town, TX, a household would need roughly $45,000 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 $1,055. That is roughly in line with the local median household income ($42,100). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
80.6%+23% vs US avg
x
Vacancy Rate
22.9%+122% vs US avg
x
Broadband Access
77.4%-11% vs US avg
x
4+ Bedrooms
2.3%-85% vs US avg
x
Built Pre-1939
3.8%-70% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
7.1%-86% vs US avg
x
Mortgage-Free
87.0%+128% vs US avg
x
$164,300
Home Value
$667
Rent
1990
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached63.8%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other36.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$164,300
Median rent$667
Owner-occupied80.6%
Vacant22.9%
Price-to-income3.9x
Est. income to buy$45,000