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ZIP 72321 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2016–2020 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 72321

Median Home Value
$172,300
Median Rent
$765
Affordability Snapshot
$47,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,107/mo PITI).

10%
Rent-to-Income Ratio

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

1.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.8 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 72321, a household would need roughly $47,000 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 $1,107. That sits below the local median household income ($88,393), 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 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.5%+20% vs US avg
x
Vacancy Rate
15.3%+49% vs US avg
x
Broadband Access
86.3%-1% vs US avg
x
4+ Bedrooms
4.5%-70% vs US avg
x
Built Pre-1939
3.4%-73% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
5.7%-88% vs US avg
x
Mortgage-Free
42.5%+11% vs US avg
x
$172,300
Home Value
$765
Rent
1991
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached71.1%
  • 1-unit attached2.8%
  • 2-9 units9.8%
  • 10+ units2.7%
  • Mobile home & other13.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$172,300
Median rent$765
Owner-occupied78.5%
Vacant15.3%
Price-to-income1.9x
Est. income to buy$47,000