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Spearman city, TX

ZIP 79081 — 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 79081

Median Home Value
$135,900
Median Rent
$622
Affordability Snapshot
$37,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$873/mo PITI).

11%
Rent-to-Income Ratio

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

2.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.2 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 79081 in Spearman city, TX, a household would need roughly $37,000 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 $873. That sits below the local median household income ($67,474), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
74.2%+13% vs US avg
x
Vacancy Rate
23.1%+124% vs US avg
x
Broadband Access
87.5%+1% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
2.4%-81% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
35.0%-30% vs US avg
x
Mortgage-Free
66.7%+75% vs US avg
x
$135,900
Home Value
$622
Rent
1972
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 detached86.5%
  • 1-unit attached0.4%
  • 2-9 units6.7%
  • 10+ units0.0%
  • Mobile home & other6.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$135,900
Median rent$622
Owner-occupied74.2%
Vacant23.1%
Price-to-income2.0x
Est. income to buy$37,000