Easiest ZIP codes to buy in Texas
Top 25 easiest ZIP codes to buy into in Texas by price-to-income ratio. #1 is 79312 (Amherst) at about 0.9x. Compare buy-in affordability on US5.
These ZIP codes have the lowest median home price-to-income ratios in Texas — a practical “buy-in difficulty” signal that combines local home values with local earnings.
Lowest ratios on this board: 79312 (Amherst) at about 0.9x; 75560 (Douglassville) at about 0.9x; 76360 (Electra) at about 1.0x.
Open a ZIP page for an illustrative “estimated income to buy” figure based on a transparent mortgage model (down payment, rate, taxes, and insurance assumptions).
Open any ZIP for a full demographics, income, and housing profile, or return to the Texas state page for the complete ZIP table.
Ranked ZIP codes
| # | ZIP | City | County | Price-to-income | Population | Income | Home value |
|---|---|---|---|---|---|---|---|
| 1 | 79312 | Amherst | Lamb County | 0.9x | 1,114 | $56,339 | $50,500 |
| 2 | 75560 | Douglassville | Cass County | 0.9x | 1,007 | $71,875 | $66,900 |
| 3 | 76360 | Electra | Wichita County | 1.0x | 2,692 | $66,050 | $64,100 |
| 4 | 79543 | Roby | Fisher County | 1.0x | 1,138 | $70,842 | $73,000 |
| 5 | 76372 | Elbert | Throckmorton County | 1.0x | 1,024 | $81,328 | $84,000 |
| 6 | 79345 | Meadow | Terry County | 1.0x | 1,085 | $66,583 | $69,300 |
| 7 | 79502 | Aspermont | Stonewall County | 1.1x | 1,123 | $50,833 | $54,100 |
| 8 | 75556 | Bloomburg | Cass County | 1.1x | 1,110 | $78,333 | $84,100 |
| 9 | 75976 | Wells | Cherokee County | 1.1x | 1,201 | $66,458 | $73,100 |
| 10 | 79789 | Wink | Winkler County | 1.1x | 1,380 | $127,898 | $141,400 |
| 11 | 79043 | Hart | Castro County | 1.1x | 1,511 | $55,301 | $62,700 |
| 12 | 79520 | Hamlin | Jones County | 1.2x | 2,576 | $62,390 | $72,700 |
| 13 | 79546 | Rotan | Fisher County | 1.2x | 1,662 | $57,171 | $67,700 |
| 14 | 75932 | South Toledo Bend | Newton County | 1.2x | 1,339 | $58,594 | $71,000 |
| 15 | 79013 | Cactus | Moore County | 1.2x | 3,022 | $47,875 | $58,100 |
| 16 | 76371 | Munday | Knox County | 1.2x | 1,801 | $59,918 | $73,000 |
| 17 | 79357 | Ralls | Crosby County | 1.2x | 1,883 | $56,875 | $69,500 |
| 18 | 79079 | Shamrock | Wheeler County | 1.2x | 2,406 | $68,081 | $84,800 |
| 19 | 78580 | Raymondville | Willacy County | 1.2x | 13,568 | $45,074 | $56,200 |
| 20 | 78561 | Lasara | Willacy County | 1.3x | 1,005 | $43,359 | $55,100 |
| 21 | 75558 | — | Titus County | 1.3x | 2,160 | $79,811 | $101,500 |
| 22 | 76661 | Marlin | Falls County | 1.3x | 7,266 | $40,379 | $52,100 |
| 23 | 79248 | Paducah | Cottle County | 1.3x | 1,124 | $38,359 | $49,700 |
| 24 | 76943 | Ozona | Crockett County | 1.3x | 2,772 | $107,860 | $140,100 |
| 25 | 75937 | Chireno | Nacogdoches County | 1.3x | 1,179 | $60,682 | $79,000 |
Frequently asked questions
Which ZIP codes in Texas are easiest to buy into?
By median home price-to-income ratio, 79312 (Amherst) ranks near the top at about 0.9x. Lower ratios generally mean local incomes go further against local home prices.
How does US5 rank ZIP codes in Texas?
We rank indexable ZIP codes with both income and home-value data by lowest median home price-to-income ratio (with a population floor).
Where can I explore all ZIP codes in Texas?
Visit the Texas state page for the full ZIP table, demographics summary, and sortable income/housing columns.