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Martindale city, TX

ZIP 78655 — 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 78655

Median Home Value
$223,000
Median Rent
$905
Affordability Snapshot
$61,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,432/mo PITI).

22%
Rent-to-Income Ratio

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

4.6x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

20.5 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 78655 in Martindale city, TX, a household would need roughly $61,000 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 $1,432. That is about 26% above the local median household income ($48,409), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
64.0%-2% vs US avg
x
Vacancy Rate
4.6%-56% vs US avg
x
Broadband Access
97.5%+12% vs US avg
x
4+ Bedrooms
1.8%-88% vs US avg
x
Built Pre-1939
2.1%-84% vs US avg
x
Built Post-2014
0.3%-95% vs US avg
x
Rent Burden >30%
10.6%-79% vs US avg
x
Mortgage-Free
59.3%+55% vs US avg
x
$223,000
Home Value
$905
Rent
1992
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached59.7%
  • 1-unit attached0.5%
  • 2-9 units6.4%
  • 10+ units0.3%
  • Mobile home & other33.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$223,000
Median rent$905
Owner-occupied64.0%
Vacant4.6%
Price-to-income4.6x
Est. income to buy$61,000