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Madisonville city, TX

ZIP 77864 — 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 77864

Median Home Value
$131,800
Median Rent
$546
Affordability Snapshot
$36,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$847/mo PITI).

10%
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.

20.1 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 77864 in Madisonville city, TX, a household would need roughly $36,000 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 $847. That sits below the local median household income ($63,719), 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
66.2%+1% vs US avg
x
Vacancy Rate
16.7%+62% vs US avg
x
Broadband Access
87.4%+0% vs US avg
x
4+ Bedrooms
0.9%-94% vs US avg
x
Built Pre-1939
6.6%-48% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
24.6%-51% vs US avg
x
Mortgage-Free
59.1%+55% vs US avg
x
$131,800
Home Value
$546
Rent
1981
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached63.9%
  • 1-unit attached2.2%
  • 2-9 units6.5%
  • 10+ units4.4%
  • Mobile home & other22.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$131,800
Median rent$546
Owner-occupied66.2%
Vacant16.7%
Price-to-income2.1x
Est. income to buy$36,000