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Graham city, TX

ZIP 76450 — 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 76450

Median Home Value
$187,700
Median Rent
$724
Affordability Snapshot
$52,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,206/mo PITI).

13%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.6 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 76450 in Graham city, TX, a household would need roughly $52,000 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 $1,206. That sits below the local median household income ($67,076), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
74.6%+14% vs US avg
x
Vacancy Rate
11.6%+13% vs US avg
x
Broadband Access
90.9%+4% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
3.1%-76% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
18.3%-63% vs US avg
x
Mortgage-Free
56.3%+47% vs US avg
x
$187,700
Home Value
$724
Rent
1978
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached76.2%
  • 1-unit attached0.6%
  • 2-9 units9.7%
  • 10+ units1.6%
  • Mobile home & other12.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$187,700
Median rent$724
Owner-occupied74.6%
Vacant11.6%
Price-to-income2.8x
Est. income to buy$52,000