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ZIP 76540
Housing & Real Estate

ZIP 76540 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 76540

Median Home Value

$88,500

Median Rent

$602

Affordability Snapshot

$24,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$569/mo PITI).

19%

Rent-to-Income Ratio

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

2.3x

Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

12.3 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 76540, a household would need roughly $24,000 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 $569. That sits below the local median household income ($38,727), 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 16% — check local market conditions.

Heating Fuel

Housing Metrics

Owner Occupied

19.7%-70% vs US avg

Vacancy Rate

16.2%+58% vs US avg

Broadband Access

79.4%-9% vs US avg

4+ Bedrooms

0.0%

Built Pre-1939

4.4%-66% vs US avg

Built Post-2014

0.0%

Rent Burden >30%

23.8%-52% vs US avg

Mortgage-Free

69.0%+81% vs US avg

$88,500

Home Value

$602

Rent

1969

Year Built

N/A

Moved In

Housing Structure

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

1-unit detached35.7%
1-unit attached8.6%
2-9 units21.5%
10+ units34.1%
Mobile home & other0.0%

ZIP 76540 — Housing & Real Estate

Housing & Real Estate in ZIP Code 76540

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