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Zephyr CDP, TX

ZIP 76890 — 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 76890

Median Home Value
$123,100
Median Rent
$772
Affordability Snapshot
$34,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$791/mo PITI).

16%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.3 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 76890 in Zephyr CDP, TX, a household would need roughly $34,000 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 $791. That sits below the local median household income ($57,857), 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 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.0%+25% vs US avg
x
Vacancy Rate
17.2%+67% vs US avg
x
Broadband Access
86.0%-1% vs US avg
x
4+ Bedrooms
1.2%-92% vs US avg
x
Built Pre-1939
3.3%-75% vs US avg
x
Built Post-2014
2.3%-66% vs US avg
x
Rent Burden >30%
3.1%-94% vs US avg
x
Mortgage-Free
65.1%+70% vs US avg
x
$123,100
Home Value
$772
Rent
1984
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 detached67.9%
  • 1-unit attached0.5%
  • 2-9 units8.6%
  • 10+ units0.0%
  • Mobile home & other23.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$123,100
Median rent$772
Owner-occupied82.0%
Vacant17.2%
Price-to-income2.1x
Est. income to buy$34,000