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Kerens city, TX

ZIP 75144 — 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 75144

Median Home Value
$156,400
Median Rent
$582
Affordability Snapshot
$43,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,005/mo PITI).

11%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.4 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 75144 in Kerens city, TX, a household would need roughly $43,000 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 $1,005. That sits below the local median household income ($62,528), 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 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
74.8%+14% vs US avg
x
Vacancy Rate
17.5%+70% vs US avg
x
Broadband Access
81.9%-6% vs US avg
x
4+ Bedrooms
3.1%-79% vs US avg
x
Built Pre-1939
5.3%-58% vs US avg
x
Built Post-2014
0.7%-89% vs US avg
x
Rent Burden >30%
8.4%-83% vs US avg
x
Mortgage-Free
60.5%+58% vs US avg
x
$156,400
Home Value
$582
Rent
1984
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 detached71.8%
  • 1-unit attached2.1%
  • 2-9 units8.0%
  • 10+ units0.0%
  • Mobile home & other18.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$156,400
Median rent$582
Owner-occupied74.8%
Vacant17.5%
Price-to-income2.5x
Est. income to buy$43,000