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Thrall city, TX

ZIP 76578 — 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 76578

Median Home Value
$315,800
Median Rent
$850
Affordability Snapshot
$87,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,029/mo PITI).

10%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

31.0 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 76578 in Thrall city, TX, a household would need roughly $87,000 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 $2,029. That sits below the local median household income ($100,500), 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 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.8%+21% vs US avg
x
Vacancy Rate
13.2%+28% vs US avg
x
Broadband Access
78.5%-10% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
6.7%-48% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
33.6%-32% vs US avg
x
Mortgage-Free
35.2%-8% vs US avg
x
$315,800
Home Value
$850
Rent
1991
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 detached84.0%
  • 1-unit attached1.0%
  • 2-9 units0.8%
  • 10+ units0.0%
  • Mobile home & other14.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$315,800
Median rent$850
Owner-occupied78.8%
Vacant13.2%
Price-to-income3.1x
Est. income to buy$87,000