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Breckenridge city, TX

ZIP 76424 — 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 76424

Median Home Value
$102,200
Median Rent
$622
Affordability Snapshot
$28,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$657/mo PITI).

14%
Rent-to-Income Ratio

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

1.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.7 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 76424 in Breckenridge city, TX, a household would need roughly $28,000 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 $657. That sits below the local median household income ($53,659), 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 22% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
77.0%+18% vs US avg
x
Vacancy Rate
22.4%+118% vs US avg
x
Broadband Access
86.2%-1% vs US avg
x
4+ Bedrooms
2.9%-81% vs US avg
x
Built Pre-1939
9.0%-30% vs US avg
x
Built Post-2014
2.4%-65% vs US avg
x
Rent Burden >30%
14.2%-72% vs US avg
x
Mortgage-Free
59.4%+55% vs US avg
x
$102,200
Home Value
$622
Rent
1973
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 detached72.2%
  • 1-unit attached1.1%
  • 2-9 units5.4%
  • 10+ units9.9%
  • Mobile home & other11.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$102,200
Median rent$622
Owner-occupied77.0%
Vacant22.4%
Price-to-income1.9x
Est. income to buy$28,000