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Covington city, TX

ZIP 76636 — 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 76636

Median Home Value
$200,300
Median Rent
$552
Affordability Snapshot
$55,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,287/mo PITI).

10%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

30.2 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 76636 in Covington city, TX, a household would need roughly $55,000 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 $1,287. That sits below the local median household income ($68,750), 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
90.3%+38% vs US avg
x
Vacancy Rate
7.3%-29% vs US avg
x
Broadband Access
75.5%-13% vs US avg
x
4+ Bedrooms
6.4%-57% vs US avg
x
Built Pre-1939
10.9%-15% vs US avg
x
Built Post-2014
1.6%-78% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
61.0%+60% vs US avg
x
$200,300
Home Value
$552
Rent
1988
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached69.4%
  • 1-unit attached5.3%
  • 2-9 units1.6%
  • 10+ units0.0%
  • Mobile home & other23.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$200,300
Median rent$552
Owner-occupied90.3%
Vacant7.3%
Price-to-income2.9x
Est. income to buy$55,000