FairUpdated SEP 1, 2026

Wichita Falls, TX

ZIP 76310· Wichita County· Wichita Falls, TX· 19,362 residents· Median income $83,610· Leaning Buyer

76310 · Wichita Falls, TX has a HavenScore of 56 — downside-risk signals are quiet here, which steadies the score.

At the ZIP's typical value, the estimated monthly payment takes 27% of the local median income (Zillow, US Census ACS) and runs $105 a month more than the median rent (Zillow ZORI). The buyer/seller gauge leans narrowly toward buyers, and has for 7 months. Typical values were flat over the last 90 days (Zillow ZHVI).

Saved ZIPs on Haven get an email when the score moves 5+ points as monthly data lands, when the market gauge flips between buyers and sellers, when its valuation read moves against the model value, or when distress jumps in a week.

Zillow ZHVI peaked at $256,291 in Jul 2026, which is the latest value. Since January 2019 it is +64.7%. The sharpest 12-month move was -0.1%, ending Jul 2023.

Median price
$256,291
+1.85% past 12 mo
Est. monthly payment
$1,907/ mo
20% down · 30-yr fixed · 6.71% · incl. tax + insurance
CompareShare card
60
HavenScore: higher than 77% of scored ZIPs.
▼ -1 / 90d#7/17 in TXBuyer Score
Rank

Ranked #3,438 of 13,130 nationally · #1,863 of 6,756 mid-size ZIPs

Switch perspective

Buyer view active — Leans harder on affordability and downside risk.

Score inputs below recompute for this view

Affordability
63/100
Growth
43/100
Risk
68/100
Momentum
51/100
Livability
46/100
Score · trailing 12 mo
62 → 56
-6 points
30-day
0
90-day
-1
1-yr
-6

Snapshot

Numbers at a glance, with a year of history under each

Median price
$256,291
up+1.9% 12 mo
Typical home value across the middle tier of homes here — a smoothed Zillow index, steadier than individual sale prices.
Median price: higher than 28% of scored ZIPs.
Twelve-month trend shown as a sparkline; the newest value is $256,291.
Median rent
$1,802
up+6.7% 12 mo
Typical monthly rent (Zillow ZORI, with HUD fair-market rent filling in for smaller markets).
Median rent: higher than 49% of scored ZIPs.
Twelve-month trend shown as a sparkline; the newest value is $1,802.
Price-to-income
3.1×
Median home value divided by median household income. Under 4× has historically been comfortable; over 5× stretches most budgets.
Price-to-income: higher than 12% of scored ZIPs.
Est. monthly payment
$1,907
At the median value with 20% down, a 30-year fixed at 6.71%, plus property tax and insurance.
Est. monthly payment: higher than 14% of scored ZIPs.
Active listings
78
Homes listed for sale right now (Realtor.com). Rising inventory usually favors buyers; falling inventory favors sellers.
Active listings: higher than 68% of scored ZIPs.
Twelve-month trend shown as a sparkline; the newest value is 78.
Days on market
45
How long the typical listing sits before going under contract. Shorter means a tighter market; longer means more room to negotiate.
Days on market: higher than 38% of scored ZIPs.
Twelve-month trend shown as a sparkline; the newest value is 45.
Price cuts
+31.11%
Share of active listings that have lowered their asking price. Rising cuts usually precede softening values.
Twelve-month trend shown as a sparkline; the newest value is +31.11%.
Median income
$83,610
Median household income here, from the latest US Census American Community Survey.
Population
19,362
Current resident estimate. Growth is a demand tailwind; decline is a structural risk.
Twelve-month trend shown as a sparkline; the newest value is 19,362.
Overvaluation
+49.03%
How far today's values sit above the long-run price trend. Positive means stretched; negative means discounted versus trend.
Vacancy
7.3%
Average. Share of housing units that are vacant in this ZIP, from the latest US Census ACS 5-year tables.
Owner-occupied
73%
of homes. Share of occupied housing units owned by their occupants (vs. rented), from the US Census ACS.
Denial rate
14.6%
Average. Share of mortgage applications denied in this ZIP, from the latest CFPB / FFIEC HMDA disclosures.
Lending activity
2,002
originations. Mortgage originations recorded in this ZIP in the most recent HMDA reporting year. Higher counts = more active lending market.
Net migration
+0.7%
net inflow. Net migration as a share of population, from IRS SOI county-to-county migration data. Positive = more people moving in than out.
Income inflow
$55k
average. Average gross income of households moving INTO this ZIP, from IRS SOI data. Higher = ZIP attracting higher-income households.

Place

What it is like to live here, and what could flood or burn

Place profile
WalkabilityLeast walkable
EPA index 4.8 of 20 · EPA Smart Location Database · Jun 2021 · above 17% of scored ZIPs
Transit accessNo transit data
EPA publishes no stop distance for most block groups
Typical commuteShorter commute than typical
17 minutes one way · US median ZIP 22 · US Census ACS · above 85% of scored ZIPs
Jobs nearbyFew jobs nearby
31 jobs per sq mi · US Census LODES · above 20% of scored ZIPs
Physical riskRelatively Moderate (FEMA)
FEMA National Risk Index composite · Dec 2025 release · above 53% of scored ZIPs

Bands are each source’s own · tick marks the national median ZIP · not blended into the score

Hazard ledger · FEMA National Risk Index

Tract-level rolled up to ZIP · not a property-level rating · no future-year projection · refreshed annually (Dec 2025 release) · county tick = median of 10 scored ZIPs in Wichita County

Everyday prices · BEA Regional Price Parities

Everyday prices in the Wichita Falls metro run 10% below the US average (BEA Regional Price Parities, 2024).

Rents in the index run 32% below the US average.

$75,000 at US-average prices buys what $67,150 buys here.

Metro-level index, US = 100 · 2024 · the Wichita Falls metro, not this ZIP alone

Housing cost burden · US Census ACS
Owners spending over 50% of income5%
US median ZIP 6%
Renters spending over 30% of income40%
US median ZIP 45%

What drives the score

Five pillars, each scored 0–100

Affordability

63/100

Growth momentum

43/100

Market risk

68/100

Momentum

51/100

Livability

46/100
Walkability
1–20 index · June 2021 vintage·EPA Smart Location Database
4.8
Transit access
Ranked against every scored ZIP·EPA Smart Location Database
—
Job density
Jobs per square mile, ranked against every scored ZIP·US Census LODES
30.7

See every input behind the pillars, with its value and source

Inside: Affordability: Price-to-income, Property tax rate, Median income · Growth momentum: 12-month price change, 12-month rent change, Population · Market risk: Overvaluation, Active listings, Price cuts · Momentum: Days on market, Buyer / seller gauge, Demand dial

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Market signals

Tailwinds and headwinds right now

Top 4 of 14 signals
Tailwinds2
  • Affordable vs. income
    3.1× income — below the national median
  • Limited new supply
    Only 1.6 permits per 1,000 — supply constrained
Headwinds2
  • Potentially overvalued
    49% above historical price-to-income
  • Widespread price cuts
    31% of listings cutting price
Buyer / seller gauge

Market conditions

Leaning Buyer

Conditions are easing in buyers' favor. The score reads more negotiation room than balanced.

-19
Strong buyerBalancedStrong seller
Trend
Heating toward seller
Gauge since Mar 2026Leaning Buyer now

Cycle read. Cooling: prices +1.9% over the trailing year, with the market leaning toward buyers.

Asking vs closed
Typical value (index)
$256,291
Zillow ZHVI · Sep 2026
Median sale price
$296,000
Redfin · Sep 2026
Sale-to-list
100.1%
Redfin · Sep 2026
Sold above list
1.1%
Redfin · Sep 2026

The Zillow figure is a smoothed index of typical value, not a list price; the Redfin figures are closed sales for the month shown.

Momentum check

What's changed in the last 90 days

🔒 Haven
Locked

Median price

——
🔒 Haven
Locked

Inventory

——
🔒 Haven
Locked

Days on market

——
🔒 Haven
Locked

Price cuts

——

Change vs. prior 90 days · arrow shows direction, not whether it’s good or bad

Pulse signals unlock with Haven, plus a one-line market interpretation.

The 90-day numbers behind each tile open with Haven

Trend

Where it's been

Peak
$256,291
Jul 2026
From peak
0.0%
At peak
Since Jan 2019
+64.7%
Worst 12 mo
-0.1%
to Jul 2023
Best 12 mo
+19.3%
since 2018

Zillow ZHVI peaked at $256,291 in Jul 2026, which is the latest value. Since January 2019 it is +64.7%. The sharpest 12-month move was -0.1%, ending Jul 2023.

Cycle position — prices vs the model’s value estimate and the payment’s share of income vs five years ago — opens with Pro

Appreciation by window

Zillow ZHVI · rank among scored ZIPs
WindowChangePer yearUS rankTexas rank
1 yearup+1.9%+1.8%/yrHigher than 51% nationallyTop 17% in Texas
3 yearsup+9.4%+3.0%/yrHigher than 43% nationallyTop 11% in Texas
5 yearsup+27.8%+5.0%/yrHigher than 49% nationallyTop 14% in Texas
10 yearsup+84.3%+6.3%/yrHigher than 47% nationallyHigher than 74% in Texas
Since 2009up+80.3%+3.4%/yr——

Starter homes vs the top tier

Zillow ZHVI tiers · Jul 2026
Bottom third (starter homes)
$182,563
up+30% 5Yup+101% 10Y
Middle third
$256,291
up+26% 5Yup+81% 10Y
Top third
$400,780
up+20% 5Yup+65% 10Y

Starter homes here rose 30% in five years while top-tier homes rose 20% (Zillow ZHVI tiers) — the bottom of the market outpaced the top.

3-bedroom homes here run 40% above 2-bedrooms (Zillow ZHVI by bedroom); the TX median premium is 41%.

The historical reading — which months run highest and lowest here — opens with Haven

Rent, inventory, days on market, Zillow’s market heat, the % view and state and US reference lines open with Haven

Forecast

Where it's heading

The HavenScore Forecast Model (v1) projects this ZIP’s median value at 3-, 6-, and 12-month horizons, with 80% prediction intervals; Pro adds 24- and 36-month horizons.

Price Forecast

3-month projection · 80% range

🔒 Haven
—————
3-month shown  |  6 & 12 months with Haven →
3-month
$257,034
+0.3%
80% range $256.1K–$260.4K
6-month
🔒 Haven
12-month
🔒 Haven

Of the 3-month ranges we published since December 2025, 60% contained the actual price. Track record →

6- and 12-month projections, their 80% ranges, and what moves the forecast unlock with Haven.

Zillow's own published forecast has this ZIP's typical value rise 1.1% over the twelve months from July 2026 (Zillow Home Value Forecast).

Forecasts are the model’s projection, not a prediction. Actuals will differ.

See the 6- and 12-month price ranges for this ZIP and what moves the forecast

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Monthly cost

What you'd owe each month

Est. monthly payment
$1,907/ mo

20% down · 30-yr fixed · 6.71% · tax 1.68%

Principal$178
Interest$1,146
Property tax$359
Insurance$224
Rent vs buy
Median rent
$1,802
/ mo
Own (payment)
$1,907
/ mo
Monthly gap
+$105owning costs more each month

Insurance uses the average homeowners premium insurers reported for this ZIP in 2022, $2,691 a year (Treasury Federal Insurance Office).

Payment share of income

27%of the ZIP’s median income at the median value ($1,907/mo against $83,610 · Zillow, Freddie Mac PMMS, US Census ACS). Your own marker appears once you set an income or price in the calculator below.

Price-to-income · ZIP vs state vs US

Median home value ÷ median household income · Zillow ZHVI, US Census ACS · under 4× has historically been comfortable

Run the numbers

Your price, rate, down payment and income

Like for like: a 3-bedroom here rents for about $1,710 a month (HUD Small Area Fair Market Rent, FY2026) against a typical 3-bedroom value of $226k (Zillow ZHVI by bedroom) — a 9.1% gross rent yield.

Cost of ownership over time

Cumulative housing cost, interest paid, and equity built · 20% down · ZIP median income $83,610

See the 1-, 5-, and 30-year cost of owning here

Inside: Total housing cost · Interest paid · Principal paid · Equity built

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Equity assumes flat home value; real appreciation could push it higher · Rate 6.71%

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Comparable ZIPs

Same shape, lower entry

ZIPs the score groups near 76310 on Affordability and Growth — sorted by lowest median value. Each tile names what the lower price trades: commute (ACS), walkability band (EPA) and hazard rating (FEMA).

ZIP 76360
Electra
TX
50
  • Saves $175k
  • Longer commute (+4 min)
  • Similar walkability
  • Higher hazard risk
$81,475-6.12%
ZIP 76301
Wichita Falls
TX
60
  • Saves $174k
  • Shorter commute (−5 min)
  • More walkable
  • Similar hazard risk
$82,131-2.32%
ZIP 76309
Wichita Falls
TX
57
  • Saves $128k
  • Similar commute
  • More walkable
  • Similar hazard risk
$128,083-4.46%
ZIP 76306
Wichita Falls
TX
56
  • Saves $114k
  • Shorter commute (−4 min)
  • Similar walkability
  • Similar hazard risk
$142,577+3.21%

Sources

Every number, traced

Every metric above is sourced from public datasets, normalized against the national ZIP distribution. Home values and rents refresh monthly; demographics refresh annually.

Zillow Research
Home values, rents, inventory, transactions
Realtor.com
Inventory, days on market, price-cut share
Redfin
Sale prices, transaction volume
US Census ACS
Income, population, vacancy, cost burden
Freddie Mac PMMS
Current 30-year fixed mortgage rates
FHFA HPI
Long-term price trends
HUD Small Area FMR
Per-ZIP fair market rents (rural fallback)
BEA & IRS
Personal income growth, net migration
Lending & accessibility
Lending and neighborhood-access signals
Research the restNo crime or school rating here — why. The primary sources:GreatSchools→NCES School Search→FBI Crime Data Explorer→

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