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Stephenville city, TX

ZIP 76401 — 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 76401

Median Home Value
$252,000
Median Rent
$943
Affordability Snapshot
$69,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,619/mo PITI).

19%
Rent-to-Income Ratio

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

4.1x
Home Price-to-Income Ratio

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

22.3 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 76401 in Stephenville city, TX, a household would need roughly $69,000 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 $1,619. That is roughly in line with the local median household income ($60,864). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
56.9%-13% vs US avg
x
Vacancy Rate
11.0%+6% vs US avg
x
Broadband Access
90.0%+3% vs US avg
x
4+ Bedrooms
2.7%-82% vs US avg
x
Built Pre-1939
3.6%-72% vs US avg
x
Built Post-2014
0.5%-92% vs US avg
x
Rent Burden >30%
31.1%-37% vs US avg
x
Mortgage-Free
48.3%+26% vs US avg
x
$252,000
Home Value
$943
Rent
1988
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

  • 1-unit detached64.0%
  • 1-unit attached2.8%
  • 2-9 units12.8%
  • 10+ units9.6%
  • Mobile home & other10.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$252,000
Median rent$943
Owner-occupied56.9%
Vacant11.0%
Price-to-income4.1x
Est. income to buy$69,000