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Troy city, TX

ZIP 76579 — 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 76579

Median Home Value
$225,500
Median Rent
$801
Affordability Snapshot
$62,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,449/mo PITI).

12%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

23.5 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 76579 in Troy city, TX, a household would need roughly $62,000 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 $1,449. That sits below the local median household income ($83,146), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
62.5%-4% vs US avg
x
Vacancy Rate
8.6%-17% vs US avg
x
Broadband Access
82.4%-5% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
0.1%-99% vs US avg
x
Built Post-2014
10.4%+51% vs US avg
x
Rent Burden >30%
31.3%-37% vs US avg
x
Mortgage-Free
37.2%-3% vs US avg
x
$225,500
Home Value
$801
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 detached76.1%
  • 1-unit attached3.5%
  • 2-9 units4.7%
  • 10+ units1.5%
  • Mobile home & other14.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$225,500
Median rent$801
Owner-occupied62.5%
Vacant8.6%
Price-to-income2.7x
Est. income to buy$62,000