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ZIP 78042
Housing & Real Estate

ZIP 78042 — Housing & Real Estate

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

Low Income Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 78042

Median Home Value

$74,800

Median Rent

$541

Affordability Snapshot

$21,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$480/mo PITI).

30%

Rent-to-Income Ratio

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

3.4x

Home Price-to-Income Ratio

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

11.5 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 78042, a household would need roughly $21,000 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 $480. That is roughly in line with the local median household income ($21,837). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 26% — check local market conditions.

Heating Fuel

Housing Metrics

Owner Occupied

18.3%-72% vs US avg

Vacancy Rate

26.4%+157% vs US avg

Broadband Access

44.5%-49% vs US avg

4+ Bedrooms

2.9%-81% vs US avg

Built Pre-1939

2.7%-79% vs US avg

Built Post-2014

0.0%

Rent Burden >30%

37.4%-25% vs US avg

Mortgage-Free

70.8%+85% vs US avg

$74,800

Home Value

$541

Rent

1938

Year Built

2017

Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

1-unit detached49.7%
1-unit attached6.9%
2-9 units15.1%
10+ units24.3%
Mobile home & other4.0%

ZIP 78042 — Housing & Real Estate

Housing & Real Estate in ZIP Code 78042

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