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Chico city, TX

ZIP 76431 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 76431

Median Home Value
$186,700
Median Rent
$820
Affordability Snapshot
$51,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,199/mo PITI).

12%
Rent-to-Income Ratio

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

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.0 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 76431 in Chico city, TX, a household would need roughly $51,000 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 $1,199. That sits below the local median household income ($82,971), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
89.1%+36% vs US avg
x
Vacancy Rate
8.8%-15% vs US avg
x
Broadband Access
87.7%+1% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
2.4%-82% vs US avg
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
9.5%-81% vs US avg
x
Mortgage-Free
51.4%+35% vs US avg
x
$186,700
Home Value
$820
Rent
1985
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 detached76.4%
  • 1-unit attached0.2%
  • 2-9 units0.4%
  • 10+ units0.0%
  • Mobile home & other23.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$186,700
Median rent$820
Owner-occupied89.1%
Vacant8.8%
Price-to-income2.3x
Est. income to buy$51,000