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Somerset city, TX

ZIP 78069 — 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 78069

Median Home Value
$106,700
Median Rent
$692
Affordability Snapshot
$29,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$685/mo PITI).

12%
Rent-to-Income Ratio

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

1.5x
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 78069 in Somerset 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 $685. That sits below the local median household income ($71,071), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
87.4%+34% vs US avg
x
Vacancy Rate
11.7%+14% vs US avg
x
Broadband Access
82.7%-5% vs US avg
x
4+ Bedrooms
6.9%-53% vs US avg
x
Built Pre-1939
1.1%-91% vs US avg
x
Built Post-2014
1.2%-83% vs US avg
x
Rent Burden >30%
22.6%-55% vs US avg
x
Mortgage-Free
55.0%+44% vs US avg
x
$106,700
Home Value
$692
Rent
2000
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 detached53.6%
  • 1-unit attached0.0%
  • 2-9 units3.5%
  • 10+ units0.0%
  • Mobile home & other42.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$106,700
Median rent$692
Owner-occupied87.4%
Vacant11.7%
Price-to-income1.5x
Est. income to buy$29,000