US5.com
  1. Home
  2. States
  3. Texas
  4. ZIP 75765
  5. Housing & Real Estate
Holly Lake Ranch CDP, TX

ZIP 75765 — 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 75765

Median Home Value
$187,200
Median Rent
$718
Affordability Snapshot
$52,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,203/mo PITI).

15%
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.

21.7 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 75765 in Holly Lake Ranch CDP, 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 $1,203. That sits below the local median household income ($58,438), 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 25% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.5%+28% vs US avg
x
Vacancy Rate
24.7%+140% vs US avg
x
Broadband Access
85.2%-2% vs US avg
x
4+ Bedrooms
3.4%-77% vs US avg
x
Built Pre-1939
3.9%-70% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
29.0%-42% vs US avg
x
Mortgage-Free
57.3%+50% vs US avg
x
$187,200
Home Value
$718
Rent
1989
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached77.3%
  • 1-unit attached1.2%
  • 2-9 units5.9%
  • 10+ units0.5%
  • Mobile home & other15.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$187,200
Median rent$718
Owner-occupied83.5%
Vacant24.7%
Price-to-income3.2x
Est. income to buy$52,000