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Hubbard city, TX

ZIP 76648 — 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 76648

Median Home Value
$121,300
Median Rent
$726
Affordability Snapshot
$33,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$779/mo PITI).

18%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.9 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 76648 in Hubbard city, TX, a household would need roughly $33,000 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 $779. That sits below the local median household income ($49,432), 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 22% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
75.4%+15% vs US avg
x
Vacancy Rate
21.8%+111% vs US avg
x
Broadband Access
85.4%-2% vs US avg
x
4+ Bedrooms
4.0%-73% vs US avg
x
Built Pre-1939
6.4%-50% vs US avg
x
Built Post-2014
2.4%-66% vs US avg
x
Rent Burden >30%
11.9%-76% vs US avg
x
Mortgage-Free
69.5%+82% vs US avg
x
$121,300
Home Value
$726
Rent
1985
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 detached69.4%
  • 1-unit attached0.0%
  • 2-9 units2.5%
  • 10+ units5.1%
  • Mobile home & other23.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$121,300
Median rent$726
Owner-occupied75.4%
Vacant21.8%
Price-to-income2.5x
Est. income to buy$33,000