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Roma city, TX

ZIP 78584 — Housing & Real Estate

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

Low Income AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 78584

Median Home Value
$83,800
Median Rent
$431
Affordability Snapshot
$23,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$538/mo PITI).

17%
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.

16.2 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 78584 in Roma city, TX, a household would need roughly $23,000 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 $538. That sits below the local median household income ($30,134), 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 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
63.7%-3% vs US avg
x
Vacancy Rate
21.0%+104% vs US avg
x
Broadband Access
65.8%-24% vs US avg
x
4+ Bedrooms
1.8%-88% vs US avg
x
Built Pre-1939
1.5%-88% vs US avg
x
Built Post-2014
1.4%-80% vs US avg
x
Rent Burden >30%
24.1%-52% vs US avg
x
Mortgage-Free
89.5%+134% vs US avg
x
$83,800
Home Value
$431
Rent
1992
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached78.5%
  • 1-unit attached0.3%
  • 2-9 units6.9%
  • 10+ units4.8%
  • Mobile home & other9.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$83,800
Median rent$431
Owner-occupied63.7%
Vacant21.0%
Price-to-income2.8x
Est. income to buy$23,000