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Hillsboro city, TX

ZIP 76645 — 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 76645

Median Home Value
$154,800
Median Rent
$782
Affordability Snapshot
$43,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$994/mo PITI).

15%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.5 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 76645 in Hillsboro city, TX, a household would need roughly $43,000 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 $994. That sits below the local median household income ($61,792), 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 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
64.7%-1% vs US avg
x
Vacancy Rate
12.6%+22% vs US avg
x
Broadband Access
87.0%+0% vs US avg
x
4+ Bedrooms
3.0%-79% vs US avg
x
Built Pre-1939
7.8%-39% vs US avg
x
Built Post-2014
1.3%-82% vs US avg
x
Rent Burden >30%
13.4%-73% vs US avg
x
Mortgage-Free
60.5%+58% vs US avg
x
$154,800
Home Value
$782
Rent
1977
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 detached71.9%
  • 1-unit attached1.0%
  • 2-9 units11.1%
  • 10+ units5.8%
  • Mobile home & other10.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$154,800
Median rent$782
Owner-occupied64.7%
Vacant12.6%
Price-to-income2.5x
Est. income to buy$43,000