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Harding Gill Tract CDP, TX

ZIP 78549 — Housing & Real Estate

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

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 78549

Median Home Value
$62,700
Median Rent
N/A
Affordability Snapshot
$17,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$403/mo PITI).

3.3x
Home Price-to-Income Ratio

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

To comfortably buy a median-priced home in ZIP 78549 in Harding Gill Tract CDP, TX, a household would need roughly $17,000 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 $403. That sits below the local median household income ($19,028), 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 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.7%+26% vs US avg
x
Vacancy Rate
20.3%+97% vs US avg
x
Broadband Access
59.4%-32% vs US avg
x
4+ Bedrooms
9.6%-35% vs US avg
x
Built Pre-1939
9.3%-27% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
81.6%+114% vs US avg
x
$62,700
Home Value
N/A
Rent
1989
Year Built
2003
Moved In

Residents have lived here since ~2003 on average

Housing Structure

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

  • 1-unit detached81.1%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other18.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$62,700
Median rent$-666,666,666
Owner-occupied82.7%
Vacant20.3%
Price-to-income3.3x
Est. income to buy$17,000