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ZIP 78551 — Housing & Real Estate

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

Low Income AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 78551

Median Home Value
$89,000
Median Rent
$577
Affordability Snapshot
$25,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$572/mo PITI).

24%
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.

12.9 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 78551, 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 $572. That sits below the local median household income ($29,141), 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 25% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
38.1%-42% vs US avg
x
Vacancy Rate
25.0%+142% vs US avg
x
Broadband Access
53.5%-39% vs US avg
x
4+ Bedrooms
2.1%-86% vs US avg
x
Built Pre-1939
8.7%-32% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
18.5%-63% vs US avg
x
Mortgage-Free
81.9%+115% vs US avg
x
$89,000
Home Value
$577
Rent
1977
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached48.3%
  • 1-unit attached1.1%
  • 2-9 units44.8%
  • 10+ units3.5%
  • Mobile home & other2.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$89,000
Median rent$577
Owner-occupied38.1%
Vacant25.0%
Price-to-income3.1x
Est. income to buy$25,000