US5.com
  1. Home
  2. States
  3. Texas
  4. ZIP 77445
  5. Housing & Real Estate
Pine Island town, TX

ZIP 77445 — 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 77445

Median Home Value
$270,900
Median Rent
$965
Affordability Snapshot
$75,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,740/mo PITI).

18%
Rent-to-Income Ratio

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

4.3x
Home Price-to-Income Ratio

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

23.4 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 77445 in Pine Island town, 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 $1,740. That is about 18% above the local median household income ($63,650), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
60.5%-7% vs US avg
x
Vacancy Rate
12.5%+21% vs US avg
x
Broadband Access
85.6%-2% vs US avg
x
4+ Bedrooms
1.4%-90% vs US avg
x
Built Pre-1939
1.7%-87% vs US avg
x
Built Post-2014
1.5%-78% vs US avg
x
Rent Burden >30%
13.3%-73% vs US avg
x
Mortgage-Free
59.5%+56% vs US avg
x
$270,900
Home Value
$965
Rent
1993
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached54.8%
  • 1-unit attached2.0%
  • 2-9 units17.9%
  • 10+ units2.8%
  • Mobile home & other22.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$270,900
Median rent$965
Owner-occupied60.5%
Vacant12.5%
Price-to-income4.3x
Est. income to buy$75,000