Zephyr, TX 76890 housing market

What this means

• Valuation. Prices are 72% above what local incomes have historically supported (this area's pre-2020 price-to-income ratio).
• Prices. Home values are up 5.5% over the past year (U.S.: +1.2%).
• Supply. There are 200% more homes for sale than the 2017-19 norm and rising (+20% vs. a year ago), so buyers have more to choose from than before the pandemic.
• Negotiating. Buyer leverage is moderate (48/100; U.S.: 54): homes typically sell at or above asking (106.3% of list) (as of Jul 2026); 0% of listings had a price cut (U.S.: 26%).
• Affordability. A mortgage on the typical home takes 48% of the median household income (U.S.: 35%); it takes about $100k a year to keep the payment at 30% of gross pay. That includes about $2,385 a year for home insurance (U.S.: $1,790).
• Disaster risk. FEMA expects about $96 a year in natural-disaster damage per $100k of building value (U.S.: $155), mostly from flooding.
• Outlook. Leaning up: likely −7% to +10% over the next 12 months (67% chance of a rise).

Next 12 months

Leaning up

Prices are more likely to rise than fall over the next year. Likely change: −6.7% to +9.6% (80% range; middle estimate +2.5%), chance of a rise 67%, of a 5%+ drop 13%.

HouseVane's model, refit every month on local market signals and national ones, trained only on data known at the time. How accurate it has been.

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