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Gatesville city, TX

ZIP 76528 — 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 76528

Median Home Value
$189,900
Median Rent
$669
Affordability Snapshot
$52,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,220/mo PITI).

12%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

23.7 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 76528 in Gatesville city, 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 $1,220. That sits below the local median household income ($66,989), 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 10% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
71.6%+9% vs US avg
x
Vacancy Rate
10.2%-1% vs US avg
x
Broadband Access
84.5%-3% vs US avg
x
4+ Bedrooms
2.5%-83% vs US avg
x
Built Pre-1939
6.0%-53% vs US avg
x
Built Post-2014
1.8%-75% vs US avg
x
Rent Burden >30%
14.0%-72% vs US avg
x
Mortgage-Free
58.3%+53% vs US avg
x
$189,900
Home Value
$669
Rent
1983
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached82.5%
  • 1-unit attached1.0%
  • 2-9 units6.7%
  • 10+ units1.4%
  • Mobile home & other8.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$189,900
Median rent$669
Owner-occupied71.6%
Vacant10.2%
Price-to-income2.8x
Est. income to buy$52,000