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Caldwell city, TX

ZIP 77836 — 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 77836

Median Home Value
$199,000
Median Rent
$572
Affordability Snapshot
$55,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,278/mo PITI).

9%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

29.0 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 77836 in Caldwell city, TX, a household would need roughly $55,000 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 $1,278. That sits below the local median household income ($79,567), 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
83.0%+27% vs US avg
x
Vacancy Rate
14.8%+44% vs US avg
x
Broadband Access
84.1%-3% vs US avg
x
4+ Bedrooms
1.3%-91% vs US avg
x
Built Pre-1939
3.4%-73% vs US avg
x
Built Post-2014
1.0%-85% vs US avg
x
Rent Burden >30%
11.0%-78% vs US avg
x
Mortgage-Free
60.2%+58% vs US avg
x
$199,000
Home Value
$572
Rent
1992
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached66.5%
  • 1-unit attached0.9%
  • 2-9 units4.3%
  • 10+ units0.4%
  • Mobile home & other27.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$199,000
Median rent$572
Owner-occupied83.0%
Vacant14.8%
Price-to-income2.5x
Est. income to buy$55,000