US5.com
  1. Home
  2. States
  3. ZIP 78646
  4. Housing & Real Estate
,

ZIP 78646 — Housing & Real Estate

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

Middle ClassRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 78646

Median Home Value
$386,200
Median Rent
$1,631
Affordability Snapshot
$106,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,481/mo PITI).

21%
Rent-to-Income Ratio

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

4.2x
Home Price-to-Income Ratio

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

19.7 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 78646, a household would need roughly $106,000 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 $2,481. That is about 15% above the local median household income ($91,855), so the median earner would likely stretch or need a larger down payment. 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

Newer development area (23% built after 2014)

Owner Occupied
71.5%+9% vs US avg
x
Vacancy Rate
3.6%-65% vs US avg
x
Broadband Access
98.8%+14% vs US avg
x
4+ Bedrooms
4.2%-72% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
22.5%+227% vs US avg
x
Rent Burden >30%
29.6%-40% vs US avg
x
Mortgage-Free
20.7%-46% vs US avg
x
$386,200
Home Value
$1,631
Rent
2010
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 detached90.4%
  • 1-unit attached1.4%
  • 2-9 units4.3%
  • 10+ units0.9%
  • Mobile home & other3.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$386,200
Median rent$1,631
Owner-occupied71.5%
Vacant3.6%
Price-to-income4.2x
Est. income to buy$106,000