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Cedar Creek CDP, TX

ZIP 78612 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 78612

Median Home Value
$239,100
Median Rent
$1,381
Affordability Snapshot
$66,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,536/mo PITI).

18%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

14.4 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 78612 in Cedar Creek CDP, TX, a household would need roughly $66,000 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 $1,536. That sits below the local median household income ($90,925), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
81.2%+24% vs US avg
x
Vacancy Rate
4.3%-58% vs US avg
x
Broadband Access
88.2%+1% vs US avg
x
4+ Bedrooms
3.9%-74% vs US avg
x
Built Pre-1939
0.2%-98% vs US avg
x
Built Post-2014
2.5%-64% vs US avg
x
Rent Burden >30%
25.8%-48% vs US avg
x
Mortgage-Free
45.4%+19% vs US avg
x
$239,100
Home Value
$1,381
Rent
1997
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached50.4%
  • 1-unit attached0.5%
  • 2-9 units0.7%
  • 10+ units0.0%
  • Mobile home & other48.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$239,100
Median rent$1,381
Owner-occupied81.2%
Vacant4.3%
Price-to-income2.6x
Est. income to buy$66,000