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ZIP 78265 — Housing & Real Estate

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

Working Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 78265

Median Home Value
$147,600
Median Rent
$1,012
Affordability Snapshot
$41,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$948/mo PITI).

25%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

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

12.2 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 78265, a household would need roughly $41,000 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 $948. That sits below the local median household income ($47,857), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
47.2%-28% vs US avg
x
Vacancy Rate
6.1%-41% vs US avg
x
Broadband Access
93.5%+7% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
0.0%
x
Built Post-2014
3.5%-49% vs US avg
x
Rent Burden >30%
32.6%-34% vs US avg
x
Mortgage-Free
62.5%+64% vs US avg
x
$147,600
Home Value
$1,012
Rent
1975
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 detached55.6%
  • 1-unit attached0.0%
  • 2-9 units6.8%
  • 10+ units20.8%
  • Mobile home & other16.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$147,600
Median rent$1,012
Owner-occupied47.2%
Vacant6.1%
Price-to-income3.1x
Est. income to buy$41,000