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, TX

ZIP 75420 — 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 75420

Median Home Value
$134,200
Median Rent
$591
Affordability Snapshot
$37,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$862/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.

18.9 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 75420 in TX, a household would need roughly $37,000 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 $862. That sits below the local median household income ($69,583), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
88.2%+35% vs US avg
x
Vacancy Rate
8.3%-20% vs US avg
x
Broadband Access
92.7%+7% vs US avg
x
4+ Bedrooms
0.3%-98% vs US avg
x
Built Pre-1939
4.0%-69% vs US avg
x
Built Post-2014
5.9%-15% vs US avg
x
Rent Burden >30%
5.9%-88% vs US avg
x
Mortgage-Free
50.1%+31% vs US avg
x
$134,200
Home Value
$591
Rent
1987
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 detached75.2%
  • 1-unit attached2.1%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other22.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$134,200
Median rent$591
Owner-occupied88.2%
Vacant8.3%
Price-to-income1.9x
Est. income to buy$37,000