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Converse city, TX

ZIP 78109 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLarge CommunityLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 78109

Median Home Value
$241,100
Median Rent
$1,403
Affordability Snapshot
$66,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,549/mo PITI).

19%
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.

14.3 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 78109 in Converse city, TX, a household would need roughly $66,000 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 $1,549. That sits below the local median household income ($87,635), 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
74.9%+15% vs US avg
x
Vacancy Rate
1.8%-83% vs US avg
x
Broadband Access
96.3%+11% vs US avg
x
4+ Bedrooms
3.3%-78% vs US avg
x
Built Pre-1939
0.4%-97% vs US avg
x
Built Post-2014
10.9%+57% vs US avg
x
Rent Burden >30%
25.4%-49% vs US avg
x
Mortgage-Free
27.8%-27% vs US avg
x
$241,100
Home Value
$1,403
Rent
2006
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

  • 1-unit detached86.1%
  • 1-unit attached0.7%
  • 2-9 units3.1%
  • 10+ units6.7%
  • Mobile home & other3.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$241,100
Median rent$1,403
Owner-occupied74.9%
Vacant1.8%
Price-to-income2.8x
Est. income to buy$66,000