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Mason city, TX

ZIP 76856 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 76856

Median Home Value
$271,500
Median Rent
$568
Affordability Snapshot
$75,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,744/mo PITI).

9%
Rent-to-Income Ratio

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

3.6x
Home Price-to-Income Ratio

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

39.8 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 76856 in Mason city, TX, a household would need roughly $75,000 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 $1,744. That is roughly in line with the local median household income ($75,048). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 31% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
77.3%+18% vs US avg
x
Vacancy Rate
30.9%+200% vs US avg
x
Broadband Access
91.9%+6% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
8.7%-32% vs US avg
x
Built Post-2014
0.6%-92% vs US avg
x
Rent Burden >30%
2.0%-96% vs US avg
x
Mortgage-Free
65.8%+72% vs US avg
x
$271,500
Home Value
$568
Rent
1975
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached86.2%
  • 1-unit attached0.8%
  • 2-9 units3.1%
  • 10+ units0.6%
  • Mobile home & other9.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$271,500
Median rent$568
Owner-occupied77.3%
Vacant30.9%
Price-to-income3.6x
Est. income to buy$75,000