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Amarillo city, TX

ZIP 79109 — 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 79109

Median Home Value
$217,600
Median Rent
$799
Affordability Snapshot
$60,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,398/mo PITI).

14%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

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

22.7 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 79109 in Amarillo city, TX, a household would need roughly $60,000 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 $1,398. That sits below the local median household income ($68,579), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
60.0%-8% vs US avg
x
Vacancy Rate
10.9%+6% vs US avg
x
Broadband Access
89.9%+3% vs US avg
x
4+ Bedrooms
2.1%-86% vs US avg
x
Built Pre-1939
3.6%-72% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
20.8%-58% vs US avg
x
Mortgage-Free
39.3%+3% vs US avg
x
$217,600
Home Value
$799
Rent
1973
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 detached63.2%
  • 1-unit attached5.4%
  • 2-9 units10.2%
  • 10+ units19.9%
  • Mobile home & other1.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$217,600
Median rent$799
Owner-occupied60.0%
Vacant10.9%
Price-to-income3.2x
Est. income to buy$60,000