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Mercedes city, TX

ZIP 78570 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 78570

Median Home Value
$83,400
Median Rent
$516
Affordability Snapshot
$23,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$536/mo PITI).

16%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.5 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 78570 in Mercedes city, TX, a household would need roughly $23,000 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 $536. That sits below the local median household income ($39,890), 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 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
73.8%+13% vs US avg
x
Vacancy Rate
16.1%+57% vs US avg
x
Broadband Access
79.9%-8% vs US avg
x
4+ Bedrooms
3.1%-79% vs US avg
x
Built Pre-1939
2.4%-81% vs US avg
x
Built Post-2014
1.6%-77% vs US avg
x
Rent Burden >30%
23.7%-52% vs US avg
x
Mortgage-Free
70.3%+84% vs US avg
x
$83,400
Home Value
$516
Rent
1992
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached69.1%
  • 1-unit attached0.2%
  • 2-9 units10.5%
  • 10+ units2.6%
  • Mobile home & other17.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$83,400
Median rent$516
Owner-occupied73.8%
Vacant16.1%
Price-to-income2.1x
Est. income to buy$23,000