Local
Learn about the people, housing, costs and businesses in 79740
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in 79740.
True all-in cost — P&I, taxes, insurance & utilities for homes in 79740.
Find and compare lenders active near 79740.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for 79740.
Seismic risk and earthquake insurance estimates for 79740.
Wildfire exposure and insurance estimates for 79740.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for ZIP code 79740 is approximately 6.968% (7.010% 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 79740The median home value in ZIP code 79740 is $129k. Annual property taxes average $1k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in ZIP code 79740 have decreased 18.0% over the past two years. Buyers may find more negotiating room in this market. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $671/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $29k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in ZIP code 79740 is $77k/year.
Calculate your buying powerThe largest employment sectors in ZIP code 79740 are public administration (22%) and information and media (14%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.