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East Bernard city, TX

ZIP 77435 — 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 77435

Median Home Value
$281,100
Median Rent
$981
Affordability Snapshot
$77,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,806/mo PITI).

18%
Rent-to-Income Ratio

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

4.4x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

23.9 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 77435 in East Bernard city, TX, a household would need roughly $77,000 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 $1,806. That is about 21% above the local median household income ($63,702), so the median earner would likely stretch or need a larger down payment. 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
85.3%+30% vs US avg
x
Vacancy Rate
7.1%-31% vs US avg
x
Broadband Access
82.5%-5% vs US avg
x
4+ Bedrooms
3.5%-76% vs US avg
x
Built Pre-1939
3.7%-71% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
26.5%-47% vs US avg
x
Mortgage-Free
45.0%+18% vs US avg
x
$281,100
Home Value
$981
Rent
1992
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached80.8%
  • 1-unit attached0.0%
  • 2-9 units0.8%
  • 10+ units1.0%
  • Mobile home & other17.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$281,100
Median rent$981
Owner-occupied85.3%
Vacant7.1%
Price-to-income4.4x
Est. income to buy$77,000