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Santa Fe city, TX

ZIP 77510 — 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 77510

Median Home Value
$281,200
Median Rent
$958
Affordability Snapshot
$77,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,806/mo PITI).

12%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

24.5 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 77510 in Santa Fe city, TX, a household would need roughly $77,000 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 $1,806. That sits below the local median household income ($96,284), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
85.2%+30% vs US avg
x
Vacancy Rate
8.2%-21% vs US avg
x
Broadband Access
94.8%+9% vs US avg
x
4+ Bedrooms
2.6%-83% vs US avg
x
Built Pre-1939
2.1%-84% vs US avg
x
Built Post-2014
1.1%-85% vs US avg
x
Rent Burden >30%
18.6%-63% vs US avg
x
Mortgage-Free
53.0%+39% vs US avg
x
$281,200
Home Value
$958
Rent
1990
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 detached78.9%
  • 1-unit attached1.2%
  • 2-9 units3.1%
  • 10+ units3.3%
  • Mobile home & other13.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$281,200
Median rent$958
Owner-occupied85.2%
Vacant8.2%
Price-to-income2.9x
Est. income to buy$77,000