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Lancaster city, TX

ZIP 75146 — 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 75146

Median Home Value
$249,000
Median Rent
$1,271
Affordability Snapshot
$69,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,600/mo PITI).

22%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

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

16.3 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 75146 in Lancaster city, TX, a household would need roughly $69,000 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 $1,600. That is roughly in line with the local median household income ($70,143). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
56.6%-13% vs US avg
x
Vacancy Rate
6.7%-35% vs US avg
x
Broadband Access
88.7%+2% vs US avg
x
4+ Bedrooms
1.6%-89% vs US avg
x
Built Pre-1939
3.5%-73% vs US avg
x
Built Post-2014
1.9%-72% vs US avg
x
Rent Burden >30%
31.9%-36% vs US avg
x
Mortgage-Free
35.0%-8% vs US avg
x
$249,000
Home Value
$1,271
Rent
1991
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached69.3%
  • 1-unit attached2.7%
  • 2-9 units7.1%
  • 10+ units16.2%
  • Mobile home & other4.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$249,000
Median rent$1,271
Owner-occupied56.6%
Vacant6.7%
Price-to-income3.5x
Est. income to buy$69,000