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St. Hedwig town, TX

ZIP 78101 — 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 78101

Median Home Value
$273,200
Median Rent
$683
Affordability Snapshot
$75,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,755/mo PITI).

9%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

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

33.3 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 78101 in St. Hedwig 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 $1,755. That sits below the local median household income ($90,413), 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
91.7%+40% vs US avg
x
Vacancy Rate
4.6%-55% vs US avg
x
Broadband Access
88.5%+2% vs US avg
x
4+ Bedrooms
4.9%-67% vs US avg
x
Built Pre-1939
0.9%-93% vs US avg
x
Built Post-2014
3.3%-52% vs US avg
x
Rent Burden >30%
23.1%-53% vs US avg
x
Mortgage-Free
41.2%+8% vs US avg
x
$273,200
Home Value
$683
Rent
1996
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 detached76.3%
  • 1-unit attached1.3%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other22.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$273,200
Median rent$683
Owner-occupied91.7%
Vacant4.6%
Price-to-income3.0x
Est. income to buy$75,000