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McAllen city, TX

ZIP 78501 — Housing & Real Estate

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

Working ClassLarge CommunityLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 78501

Median Home Value
$149,000
Median Rent
$768
Affordability Snapshot
$41,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$957/mo PITI).

19%
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.

16.2 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 78501 in McAllen city, TX, 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 $957. That sits below the local median household income ($49,451), 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

Vacancy rate 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
50.1%-23% vs US avg
x
Vacancy Rate
13.2%+28% vs US avg
x
Broadband Access
87.5%+1% vs US avg
x
4+ Bedrooms
2.0%-86% vs US avg
x
Built Pre-1939
2.3%-82% vs US avg
x
Built Post-2014
0.3%-95% vs US avg
x
Rent Burden >30%
28.0%-44% vs US avg
x
Mortgage-Free
61.4%+61% vs US avg
x
$149,000
Home Value
$768
Rent
1985
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached56.7%
  • 1-unit attached4.3%
  • 2-9 units22.3%
  • 10+ units11.9%
  • Mobile home & other4.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$149,000
Median rent$768
Owner-occupied50.1%
Vacant13.2%
Price-to-income3.0x
Est. income to buy$41,000