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Chilton CDP, TX

ZIP 76632 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 76632

Median Home Value
$95,400
Median Rent
$810
Affordability Snapshot
$26,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$613/mo PITI).

17%
Rent-to-Income Ratio

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

1.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

9.8 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 76632 in Chilton CDP, TX, a household would need roughly $26,000 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 $613. That sits below the local median household income ($56,196), 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
77.6%+19% vs US avg
x
Vacancy Rate
9.3%-9% vs US avg
x
Broadband Access
73.3%-16% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
5.8%-55% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
12.2%-76% vs US avg
x
Mortgage-Free
75.9%+99% vs US avg
x
$95,400
Home Value
$810
Rent
1969
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached73.2%
  • 1-unit attached3.9%
  • 2-9 units2.6%
  • 10+ units1.4%
  • Mobile home & other18.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$95,400
Median rent$810
Owner-occupied77.6%
Vacant9.3%
Price-to-income1.7x
Est. income to buy$26,000