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Cleburne city, TX

ZIP 76031 — 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 76031

Median Home Value
$203,500
Median Rent
$988
Affordability Snapshot
$56,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,307/mo PITI).

17%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.2 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 76031 in Cleburne 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 $1,307. That sits below the local median household income ($70,672), 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
77.6%+19% vs US avg
x
Vacancy Rate
10.0%-3% vs US avg
x
Broadband Access
84.6%-3% vs US avg
x
4+ Bedrooms
1.4%-90% vs US avg
x
Built Pre-1939
3.1%-76% vs US avg
x
Built Post-2014
2.9%-58% vs US avg
x
Rent Burden >30%
23.3%-53% vs US avg
x
Mortgage-Free
49.7%+30% vs US avg
x
$203,500
Home Value
$988
Rent
1985
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 detached70.0%
  • 1-unit attached1.9%
  • 2-9 units7.6%
  • 10+ units1.0%
  • Mobile home & other19.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$203,500
Median rent$988
Owner-occupied77.6%
Vacant10.0%
Price-to-income2.9x
Est. income to buy$56,000