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Penitas city, TX

ZIP 78576 — 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 78576

Median Home Value
$116,600
Median Rent
$479
Affordability Snapshot
$32,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$749/mo PITI).

12%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.3 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 78576 in Penitas city, TX, a household would need roughly $32,000 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 $749. That sits below the local median household income ($48,205), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
81.1%+24% vs US avg
x
Vacancy Rate
7.3%-29% vs US avg
x
Broadband Access
85.3%-2% vs US avg
x
4+ Bedrooms
3.0%-80% vs US avg
x
Built Pre-1939
0.4%-97% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
34.0%-32% vs US avg
x
Mortgage-Free
59.9%+57% vs US avg
x
$116,600
Home Value
$479
Rent
2003
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached64.7%
  • 1-unit attached0.0%
  • 2-9 units5.7%
  • 10+ units2.5%
  • Mobile home & other27.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$116,600
Median rent$479
Owner-occupied81.1%
Vacant7.3%
Price-to-income2.4x
Est. income to buy$32,000