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Luling city, TX

ZIP 78648 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 78648

Median Home Value
$217,400
Median Rent
$806
Affordability Snapshot
$60,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,397/mo PITI).

17%
Rent-to-Income Ratio

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

3.8x
Home Price-to-Income Ratio

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

22.5 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 78648 in Luling city, TX, a household would need roughly $60,000 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 $1,397. That is roughly in line with the local median household income ($56,533). 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
72.0%+10% vs US avg
x
Vacancy Rate
8.0%-22% vs US avg
x
Broadband Access
88.8%+2% vs US avg
x
4+ Bedrooms
4.8%-67% vs US avg
x
Built Pre-1939
3.5%-73% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
25.2%-49% vs US avg
x
Mortgage-Free
61.4%+61% vs US avg
x
$217,400
Home Value
$806
Rent
1972
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached68.7%
  • 1-unit attached0.0%
  • 2-9 units17.5%
  • 10+ units1.2%
  • Mobile home & other12.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$217,400
Median rent$806
Owner-occupied72.0%
Vacant8.0%
Price-to-income3.8x
Est. income to buy$60,000