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Amarillo city, TX

ZIP 79104 — 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 79104

Median Home Value
$94,500
Median Rent
$637
Affordability Snapshot
$26,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$607/mo PITI).

16%
Rent-to-Income Ratio

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

2.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

12.4 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 79104 in Amarillo city, TX, a household would need roughly $26,000 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 $607. That sits below the local median household income ($47,768), 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 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
53.6%-18% vs US avg
x
Vacancy Rate
13.1%+28% vs US avg
x
Broadband Access
83.0%-5% vs US avg
x
4+ Bedrooms
2.3%-85% vs US avg
x
Built Pre-1939
9.4%-27% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
24.6%-51% vs US avg
x
Mortgage-Free
71.6%+87% vs US avg
x
$94,500
Home Value
$637
Rent
1960
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 detached80.4%
  • 1-unit attached3.3%
  • 2-9 units3.7%
  • 10+ units4.4%
  • Mobile home & other8.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$94,500
Median rent$637
Owner-occupied53.6%
Vacant13.1%
Price-to-income2.0x
Est. income to buy$26,000