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, TX

ZIP 75651 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 75651

Median Home Value
$188,800
Median Rent
$694
Affordability Snapshot
$52,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,213/mo PITI).

14%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

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

22.7 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 75651 in TX, a household would need roughly $52,000 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 $1,213. That sits below the local median household income ($59,535), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
80.7%+23% vs US avg
x
Vacancy Rate
12.1%+17% vs US avg
x
Broadband Access
81.7%-6% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
12.0%-6% vs US avg
x
Built Post-2014
1.2%-82% vs US avg
x
Rent Burden >30%
7.9%-84% vs US avg
x
Mortgage-Free
55.4%+45% vs US avg
x
$188,800
Home Value
$694
Rent
1995
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached79.2%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units1.4%
  • Mobile home & other19.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$188,800
Median rent$694
Owner-occupied80.7%
Vacant12.1%
Price-to-income3.2x
Est. income to buy$52,000