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ZIP 78296 — 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 78296

Median Home Value
$528,300
Median Rent
$1,213
Affordability Snapshot
$145,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,394/mo PITI).

34%
Rent-to-Income Ratio

Above the 30% affordability threshold — housing cost-burdened area.

12.3x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

36.3 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 78296, a household would need roughly $145,000 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 $3,394. That is about 239% above the local median household income ($42,823), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 25% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
5.9%-91% vs US avg
x
Vacancy Rate
25.0%+143% vs US avg
x
Broadband Access
92.3%+6% vs US avg
x
4+ Bedrooms
0.4%-97% vs US avg
x
Built Pre-1939
0.9%-93% vs US avg
x
Built Post-2014
6.2%-10% vs US avg
x
Rent Burden >30%
25.8%-48% vs US avg
x
Mortgage-Free
39.6%+4% vs US avg
x
$528,300
Home Value
$1,213
Rent
1993
Year Built
N/A
Moved In
Housing Structure

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

  • 1-unit detached2.9%
  • 1-unit attached0.0%
  • 2-9 units6.6%
  • 10+ units89.0%
  • Mobile home & other1.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$528,300
Median rent$1,213
Owner-occupied5.9%
Vacant25.0%
Price-to-income12.3x
Est. income to buy$145,000