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, TX

ZIP 78946 — 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 78946

Median Home Value
$279,800
Median Rent
N/A
Affordability Snapshot
$77,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,797/mo PITI).

4.3x
Home Price-to-Income Ratio

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

To comfortably buy a median-priced home in ZIP 78946 in TX, a household would need roughly $77,000 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 $1,797. That is about 20% above the local median household income ($64,345), 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 31% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
89.4%+37% vs US avg
x
Vacancy Rate
30.8%+199% vs US avg
x
Broadband Access
65.5%-25% vs US avg
x
4+ Bedrooms
1.7%-89% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
2.5%-63% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
73.6%+93% vs US avg
x
$279,800
Home Value
N/A
Rent
1986
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached80.3%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other19.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$279,800
Median rent$-666,666,666
Owner-occupied89.4%
Vacant30.8%
Price-to-income4.3x
Est. income to buy$77,000