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Moody city, TX

ZIP 76557 — 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 76557

Median Home Value
$197,000
Median Rent
$925
Affordability Snapshot
$54,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,265/mo PITI).

15%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.7 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 76557 in Moody city, TX, a household would need roughly $54,000 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 $1,265. That sits below the local median household income ($75,958), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
77.8%+19% vs US avg
x
Vacancy Rate
11.0%+7% vs US avg
x
Broadband Access
83.3%-4% vs US avg
x
4+ Bedrooms
2.7%-82% vs US avg
x
Built Pre-1939
0.8%-94% vs US avg
x
Built Post-2014
4.3%-38% vs US avg
x
Rent Burden >30%
4.3%-91% vs US avg
x
Mortgage-Free
46.6%+22% vs US avg
x
$197,000
Home Value
$925
Rent
1986
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached72.5%
  • 1-unit attached2.0%
  • 2-9 units3.7%
  • 10+ units0.2%
  • Mobile home & other21.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$197,000
Median rent$925
Owner-occupied77.8%
Vacant11.0%
Price-to-income2.6x
Est. income to buy$54,000