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Thunderbird Bay CDP, TX

ZIP 76857 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 76857

Median Home Value
$130,900
Median Rent
$1,254
Affordability Snapshot
$36,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$841/mo PITI).

31%
Rent-to-Income Ratio

Above the 30% affordability threshold — housing cost-burdened area.

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

8.7 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 76857 in Thunderbird Bay CDP, TX, a household would need roughly $36,000 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 $841. That sits below the local median household income ($48,791), 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 43% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
66.8%+2% vs US avg
x
Vacancy Rate
43.3%+320% vs US avg
x
Broadband Access
91.8%+6% vs US avg
x
4+ Bedrooms
0.1%-99% vs US avg
x
Built Pre-1939
1.9%-85% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
19.9%-60% vs US avg
x
Mortgage-Free
62.1%+62% vs US avg
x
$130,900
Home Value
$1,254
Rent
1988
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached47.4%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units5.7%
  • Mobile home & other46.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$130,900
Median rent$1,254
Owner-occupied66.8%
Vacant43.3%
Price-to-income2.7x
Est. income to buy$36,000