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Kempner city, TX

ZIP 76539 — 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 76539

Median Home Value
$255,800
Median Rent
$1,071
Affordability Snapshot
$70,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,643/mo PITI).

13%
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.

19.9 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 76539 in Kempner city, TX, a household would need roughly $70,000 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 $1,643. That sits below the local median household income ($95,899), 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 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
94.0%+44% vs US avg
x
Vacancy Rate
14.2%+38% vs US avg
x
Broadband Access
96.0%+10% vs US avg
x
4+ Bedrooms
6.4%-57% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
1.9%-72% vs US avg
x
Rent Burden >30%
5.7%-88% vs US avg
x
Mortgage-Free
35.2%-8% vs US avg
x
$255,800
Home Value
$1,071
Rent
1999
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached74.2%
  • 1-unit attached0.4%
  • 2-9 units0.5%
  • 10+ units0.0%
  • Mobile home & other24.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$255,800
Median rent$1,071
Owner-occupied94.0%
Vacant14.2%
Price-to-income2.7x
Est. income to buy$70,000