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, TX

ZIP 77974 — 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 77974

Median Home Value
$186,500
Median Rent
$1,098
Affordability Snapshot
$51,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,198/mo PITI).

20%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

14.2 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 77974 in TX, a household would need roughly $51,000 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 $1,198. That sits below the local median household income ($67,500), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
77.3%+18% vs US avg
x
Vacancy Rate
4.0%-61% vs US avg
x
Broadband Access
78.9%-9% vs US avg
x
4+ Bedrooms
1.6%-89% vs US avg
x
Built Pre-1939
4.0%-69% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
74.5%+50% vs US avg
x
Mortgage-Free
65.8%+72% vs US avg
x
$186,500
Home Value
$1,098
Rent
1997
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached75.8%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other24.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$186,500
Median rent$1,098
Owner-occupied77.3%
Vacant4.0%
Price-to-income2.8x
Est. income to buy$51,000