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ZIP 78523 — Housing & Real Estate

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

Low Income Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 78523

Median Home Value
$89,700
Median Rent
$694
Affordability Snapshot
$25,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$576/mo PITI).

31%
Rent-to-Income Ratio

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

3.3x
Home Price-to-Income Ratio

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

10.8 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 78523, a household would need roughly $25,000 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 $576. That is roughly in line with the local median household income ($27,259). 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
20.9%-68% vs US avg
x
Vacancy Rate
5.8%-44% vs US avg
x
Broadband Access
72.8%-16% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
37.5%-25% vs US avg
x
Mortgage-Free
63.1%+65% vs US avg
x
$89,700
Home Value
$694
Rent
1978
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached20.8%
  • 1-unit attached0.7%
  • 2-9 units37.4%
  • 10+ units39.9%
  • Mobile home & other1.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$89,700
Median rent$694
Owner-occupied20.9%
Vacant5.8%
Price-to-income3.3x
Est. income to buy$25,000