US5.com
  1. Home
  2. States
  3. Texas
  4. ZIP 75189
  5. Housing & Real Estate
Royse City city, TX

ZIP 75189 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 75189

Median Home Value
$336,000
Median Rent
$1,855
Affordability Snapshot
$92,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,158/mo PITI).

19%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.1 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 75189 in Royse City city, TX, a household would need roughly $92,000 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 $2,158. That sits below the local median household income ($118,105), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
89.1%+36% vs US avg
x
Vacancy Rate
4.4%-57% vs US avg
x
Broadband Access
96.3%+11% vs US avg
x
4+ Bedrooms
4.2%-72% vs US avg
x
Built Pre-1939
0.8%-94% vs US avg
x
Built Post-2014
12.9%+87% vs US avg
x
Rent Burden >30%
28.9%-42% vs US avg
x
Mortgage-Free
24.6%-36% vs US avg
x
$336,000
Home Value
$1,855
Rent
2010
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

  • 1-unit detached88.3%
  • 1-unit attached1.1%
  • 2-9 units0.6%
  • 10+ units1.1%
  • Mobile home & other8.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$336,000
Median rent$1,855
Owner-occupied89.1%
Vacant4.4%
Price-to-income2.8x
Est. income to buy$92,000