US5.com
  1. Home
  2. States
  3. Texas
  4. ZIP 78938
  5. Housing & Real Estate
, TX

ZIP 78938 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 78938

Median Home Value
$217,900
Median Rent
$575
Affordability Snapshot
$60,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,400/mo PITI).

11%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

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

31.6 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 78938 in 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 $1,400. That is roughly in line with the local median household income ($62,500). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 28% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.3%+27% vs US avg
x
Vacancy Rate
28.5%+177% vs US avg
x
Broadband Access
95.4%+10% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
9.9%-22% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
5.6%-89% vs US avg
x
Mortgage-Free
44.4%+16% vs US avg
x
$217,900
Home Value
$575
Rent
1975
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 detached84.1%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other15.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$217,900
Median rent$575
Owner-occupied83.3%
Vacant28.5%
Price-to-income3.5x
Est. income to buy$60,000