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ZIP 78465 — Housing & Real Estate

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

Working Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 78465

Median Home Value
$89,900
Median Rent
$857
Affordability Snapshot
$25,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$577/mo PITI).

26%
Rent-to-Income Ratio

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

2.2x
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 78465, a household would need roughly $25,000 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 $577. That sits below the local median household income ($40,265), 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 29% — check local market conditions.

Heating Fuel
Housing Metrics

Historic housing stock (25% built before 1939)

Owner Occupied
49.6%-24% vs US avg
x
Vacancy Rate
29.2%+184% vs US avg
x
Broadband Access
78.2%-10% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
25.4%+98% vs US avg
x
Built Post-2014
0.8%-88% vs US avg
x
Rent Burden >30%
28.5%-43% vs US avg
x
Mortgage-Free
77.9%+104% vs US avg
x
$89,900
Home Value
$857
Rent
1958
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 detached67.2%
  • 1-unit attached0.7%
  • 2-9 units26.0%
  • 10+ units0.7%
  • Mobile home & other5.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$89,900
Median rent$857
Owner-occupied49.6%
Vacant29.2%
Price-to-income2.2x
Est. income to buy$25,000