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Steiner Ranch CDP, TX

ZIP 78732 — Housing & Real Estate

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

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 78732

Median Home Value
$728,500
Median Rent
$1,599
Affordability Snapshot
$201,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,680/mo PITI).

10%
Rent-to-Income Ratio

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

3.8x
Home Price-to-Income Ratio

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

38.0 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 78732 in Steiner Ranch CDP, TX, a household would need roughly $201,000 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 $4,680. That is roughly in line with the local median household income ($194,120). 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
74.1%+13% vs US avg
x
Vacancy Rate
3.9%-62% vs US avg
x
Broadband Access
96.0%+10% vs US avg
x
4+ Bedrooms
21.6%+46% vs US avg
x
Built Pre-1939
0.3%-97% vs US avg
x
Built Post-2014
0.6%-91% vs US avg
x
Rent Burden >30%
41.8%-16% vs US avg
x
Mortgage-Free
25.8%-32% vs US avg
x
$728,500
Home Value
$1,599
Rent
2004
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached72.5%
  • 1-unit attached0.7%
  • 2-9 units7.6%
  • 10+ units18.2%
  • Mobile home & other1.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$728,500
Median rent$1,599
Owner-occupied74.1%
Vacant3.9%
Price-to-income3.8x
Est. income to buy$201,000