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Penelope town, TX

ZIP 76676 — 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 76676

Median Home Value
$133,300
Median Rent
$600
Affordability Snapshot
$37,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$856/mo PITI).

10%
Rent-to-Income Ratio

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

1.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.5 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 76676 in Penelope town, TX, a household would need roughly $37,000 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 $856. That sits below the local median household income ($75,500), 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 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
95.5%+46% vs US avg
x
Vacancy Rate
14.8%+44% vs US avg
x
Broadband Access
77.3%-11% vs US avg
x
4+ Bedrooms
3.2%-78% vs US avg
x
Built Pre-1939
9.0%-29% vs US avg
x
Built Post-2014
5.8%-16% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
66.7%+75% vs US avg
x
$133,300
Home Value
$600
Rent
1964
Year Built
2004
Moved In

Residents have lived here since ~2004 on average

Housing Structure

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

  • 1-unit detached94.2%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other5.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$133,300
Median rent$600
Owner-occupied95.5%
Vacant14.8%
Price-to-income1.8x
Est. income to buy$37,000