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Learn about the people, housing, costs and businesses in 74954
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in 74954.
True all-in cost — P&I, taxes, insurance & utilities for homes in 74954.
Find and compare lenders active near 74954.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for 74954.
Seismic risk and earthquake insurance estimates for 74954.
Wildfire exposure and insurance estimates for 74954.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for ZIP code 74954 is approximately 6.960% (7.001% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for ZIP code 74954The median home value in ZIP code 74954 is $142k. The median monthly rent is $858. Annual property taxes average $999. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in ZIP code 74954 have increased 24.3% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $871/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $37k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in ZIP code 74954 is $53k/year.
Calculate your buying powerThe largest employment sectors in ZIP code 74954 are public administration (20%) and retail (19%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.