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Harrold CDP, TX

ZIP 76364 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 76364

Median Home Value
$80,800
Median Rent
$1,667
Affordability Snapshot
$22,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$519/mo PITI).

20%
Rent-to-Income Ratio

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

0.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

4.0 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 76364 in Harrold CDP, TX, a household would need roughly $22,000 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 $519. That sits below the local median household income ($102,500), 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 15% — check local market conditions.

Heating Fuel
Housing Metrics

Historic housing stock (24% built before 1939)

Owner Occupied
71.3%+9% vs US avg
x
Vacancy Rate
15.3%+49% vs US avg
x
Broadband Access
74.5%-14% vs US avg
x
4+ Bedrooms
1.8%-88% vs US avg
x
Built Pre-1939
24.3%+90% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
7.4%-85% vs US avg
x
Mortgage-Free
61.2%+60% vs US avg
x
$80,800
Home Value
$1,667
Rent
1970
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached73.0%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units10.8%
  • Mobile home & other16.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$80,800
Median rent$1,667
Owner-occupied71.3%
Vacant15.3%
Price-to-income0.8x
Est. income to buy$22,000