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Lockhart city, TX

ZIP 78644 — 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 78644

Median Home Value
$242,900
Median Rent
$940
Affordability Snapshot
$67,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,560/mo PITI).

16%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

21.5 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 78644 in Lockhart city, TX, a household would need roughly $67,000 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 $1,560. That is roughly in line with the local median household income ($72,155). 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
71.8%+10% vs US avg
x
Vacancy Rate
7.8%-24% vs US avg
x
Broadband Access
89.8%+3% vs US avg
x
4+ Bedrooms
1.7%-89% vs US avg
x
Built Pre-1939
6.1%-53% vs US avg
x
Built Post-2014
2.3%-67% vs US avg
x
Rent Burden >30%
17.4%-65% vs US avg
x
Mortgage-Free
48.6%+27% vs US avg
x
$242,900
Home Value
$940
Rent
1988
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 detached65.6%
  • 1-unit attached2.7%
  • 2-9 units13.2%
  • 10+ units2.4%
  • Mobile home & other16.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$242,900
Median rent$940
Owner-occupied71.8%
Vacant7.8%
Price-to-income3.4x
Est. income to buy$67,000