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Ballinger city, TX

ZIP 76821 — 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 76821

Median Home Value
$104,200
Median Rent
$676
Affordability Snapshot
$29,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$669/mo PITI).

12%
Rent-to-Income Ratio

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

1.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

12.8 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 76821 in Ballinger city, TX, a household would need roughly $29,000 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 $669. That sits below the local median household income ($65,250), 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 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
73.9%+13% vs US avg
x
Vacancy Rate
20.8%+102% vs US avg
x
Broadband Access
89.8%+3% vs US avg
x
4+ Bedrooms
2.9%-80% vs US avg
x
Built Pre-1939
15.2%+19% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
9.3%-81% vs US avg
x
Mortgage-Free
64.6%+69% vs US avg
x
$104,200
Home Value
$676
Rent
1957
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 detached91.1%
  • 1-unit attached0.6%
  • 2-9 units4.4%
  • 10+ units0.0%
  • Mobile home & other3.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$104,200
Median rent$676
Owner-occupied73.9%
Vacant20.8%
Price-to-income1.6x
Est. income to buy$29,000