US5.com
  1. Home
  2. States
  3. Texas
  4. ZIP 78932
  5. Housing & Real Estate
Carmine city, TX

ZIP 78932 — 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 78932

Median Home Value
$355,300
Median Rent
$1,339
Affordability Snapshot
$98,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,282/mo PITI).

17%
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.

22.1 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 78932 in Carmine city, TX, a household would need roughly $98,000 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 $2,282. That is roughly in line with the local median household income ($94,265). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 43% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
93.9%+44% vs US avg
x
Vacancy Rate
42.7%+314% vs US avg
x
Broadband Access
69.5%-20% vs US avg
x
4+ Bedrooms
6.5%-56% vs US avg
x
Built Pre-1939
4.9%-62% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
33.3%-33% vs US avg
x
Mortgage-Free
62.8%+64% vs US avg
x
$355,300
Home Value
$1,339
Rent
1985
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached78.3%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other21.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$355,300
Median rent$1,339
Owner-occupied93.9%
Vacant42.7%
Price-to-income3.8x
Est. income to buy$98,000