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ZIP 78505 — Housing & Real Estate

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

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Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 78505

Median Home Value
$87,000
Median Rent
$676
Affordability Snapshot
$24,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$559/mo PITI).

26%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

10.7 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 78505, a household would need roughly $24,000 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 $559. That sits below the local median household income ($31,542), 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
21.9%-66% vs US avg
x
Vacancy Rate
11.8%+14% vs US avg
x
Broadband Access
73.3%-16% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
3.9%-69% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
31.3%-37% vs US avg
x
Mortgage-Free
76.4%+100% vs US avg
x
$87,000
Home Value
$676
Rent
1988
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached35.4%
  • 1-unit attached0.0%
  • 2-9 units51.3%
  • 10+ units13.4%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$87,000
Median rent$676
Owner-occupied21.9%
Vacant11.8%
Price-to-income2.8x
Est. income to buy$24,000