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Lone Oak city, TX

ZIP 75453 — 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 75453

Median Home Value
$204,500
Median Rent
$719
Affordability Snapshot
$56,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,314/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.

23.7 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 75453 in Lone Oak city, TX, a household would need roughly $56,000 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 $1,314. That sits below the local median household income ($82,000), 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
86.3%+32% vs US avg
x
Vacancy Rate
15.1%+47% vs US avg
x
Broadband Access
83.8%-4% vs US avg
x
4+ Bedrooms
0.2%-98% vs US avg
x
Built Pre-1939
0.1%-99% vs US avg
x
Built Post-2014
4.8%-31% vs US avg
x
Rent Burden >30%
9.9%-80% vs US avg
x
Mortgage-Free
56.4%+48% vs US avg
x
$204,500
Home Value
$719
Rent
2000
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 detached76.7%
  • 1-unit attached0.0%
  • 2-9 units0.2%
  • 10+ units0.0%
  • Mobile home & other23.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$204,500
Median rent$719
Owner-occupied86.3%
Vacant15.1%
Price-to-income2.5x
Est. income to buy$56,000