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Lubbock city, TX

ZIP 79413 — 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 79413

Median Home Value
$195,900
Median Rent
$1,030
Affordability Snapshot
$54,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,258/mo PITI).

18%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.8 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 79413 in Lubbock city, TX, a household would need roughly $54,000 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 $1,258. That sits below the local median household income ($67,062), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
58.0%-11% vs US avg
x
Vacancy Rate
7.3%-29% vs US avg
x
Broadband Access
93.9%+8% vs US avg
x
4+ Bedrooms
3.3%-78% vs US avg
x
Built Pre-1939
2.0%-84% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
30.6%-38% vs US avg
x
Mortgage-Free
35.2%-8% vs US avg
x
$195,900
Home Value
$1,030
Rent
1963
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached80.4%
  • 1-unit attached3.2%
  • 2-9 units9.5%
  • 10+ units6.9%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$195,900
Median rent$1,030
Owner-occupied58.0%
Vacant7.3%
Price-to-income2.9x
Est. income to buy$54,000