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St. Jo city, TX

ZIP 76265 — 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 76265

Median Home Value
$211,900
Median Rent
$249
Affordability Snapshot
$58,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,361/mo PITI).

4%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

70.9 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 76265 in St. Jo city, TX, a household would need roughly $58,000 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 $1,361. That sits below the local median household income ($77,902), 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
77.0%+18% vs US avg
x
Vacancy Rate
25.1%+144% vs US avg
x
Broadband Access
81.5%-6% vs US avg
x
4+ Bedrooms
4.5%-70% vs US avg
x
Built Pre-1939
5.7%-55% vs US avg
x
Built Post-2014
1.4%-80% vs US avg
x
Rent Burden >30%
26.5%-47% vs US avg
x
Mortgage-Free
57.4%+50% vs US avg
x
$211,900
Home Value
$249
Rent
1979
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached76.5%
  • 1-unit attached0.5%
  • 2-9 units5.3%
  • 10+ units1.5%
  • Mobile home & other16.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$211,900
Median rent$249
Owner-occupied77.0%
Vacant25.1%
Price-to-income2.7x
Est. income to buy$58,000