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Fredericksburg city, TX

ZIP 78624 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 78624

Median Home Value
$439,600
Median Rent
$1,158
Affordability Snapshot
$121,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,824/mo PITI).

20%
Rent-to-Income Ratio

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

6.5x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

31.6 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 78624 in Fredericksburg city, TX, a household would need roughly $121,000 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 $2,824. That is about 78% above the local median household income ($67,987), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
70.2%+7% vs US avg
x
Vacancy Rate
20.5%+99% vs US avg
x
Broadband Access
86.9%-0% vs US avg
x
4+ Bedrooms
2.7%-82% vs US avg
x
Built Pre-1939
2.5%-80% vs US avg
x
Built Post-2014
2.2%-69% vs US avg
x
Rent Burden >30%
15.8%-68% vs US avg
x
Mortgage-Free
58.6%+53% vs US avg
x
$439,600
Home Value
$1,158
Rent
1990
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached76.0%
  • 1-unit attached2.0%
  • 2-9 units8.3%
  • 10+ units4.1%
  • Mobile home & other9.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$439,600
Median rent$1,158
Owner-occupied70.2%
Vacant20.5%
Price-to-income6.5x
Est. income to buy$121,000