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Laredo city, TX

ZIP 78046 — Housing & Real Estate

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

Working ClassLarge CommunityLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 78046

Median Home Value
$142,000
Median Rent
$774
Affordability Snapshot
$39,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$912/mo PITI).

17%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.3 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 78046 in Laredo city, TX, a household would need roughly $39,000 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 $912. That sits below the local median household income ($53,601), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
79.3%+21% vs US avg
x
Vacancy Rate
6.4%-38% vs US avg
x
Broadband Access
82.7%-5% vs US avg
x
4+ Bedrooms
3.2%-79% vs US avg
x
Built Pre-1939
0.3%-98% vs US avg
x
Built Post-2014
2.2%-68% vs US avg
x
Rent Burden >30%
36.4%-27% vs US avg
x
Mortgage-Free
42.0%+10% vs US avg
x
$142,000
Home Value
$774
Rent
2001
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached71.4%
  • 1-unit attached1.2%
  • 2-9 units5.1%
  • 10+ units3.5%
  • Mobile home & other18.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$142,000
Median rent$774
Owner-occupied79.3%
Vacant6.4%
Price-to-income2.6x
Est. income to buy$39,000