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Henderson city, TX

ZIP 75654 — 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 75654

Median Home Value
$176,400
Median Rent
$815
Affordability Snapshot
$49,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,133/mo PITI).

14%
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.

18.0 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 75654 in Henderson city, TX, a household would need roughly $49,000 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 $1,133. That sits below the local median household income ($69,986), 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 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
81.1%+24% vs US avg
x
Vacancy Rate
13.4%+30% vs US avg
x
Broadband Access
70.0%-20% vs US avg
x
4+ Bedrooms
2.3%-84% vs US avg
x
Built Pre-1939
4.9%-62% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
13.4%-73% vs US avg
x
Mortgage-Free
60.3%+58% vs US avg
x
$176,400
Home Value
$815
Rent
1978
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached74.2%
  • 1-unit attached0.4%
  • 2-9 units5.1%
  • 10+ units4.3%
  • Mobile home & other15.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$176,400
Median rent$815
Owner-occupied81.1%
Vacant13.4%
Price-to-income2.5x
Est. income to buy$49,000