ZIP 75154

75154 is one of 13 ZIP codes that lie mostly in Ellis County, TX — 88% of its own area is in the county.

Shaded by typical home value, it ranks 5 of the 10 with a value.

11 school locations in 75154: 7 elementary, 3 middle, 1 high.

In alphabetical order: CURTISTENE S MCCOWAN MIDDLE, DOLORES MCCLATCHEY EL, EASTRIDGE EL, FRANK D MOATES EL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 75154 was worth $117,704.

Values peaked at $372,850 in August 2022. The latest reading is −6.5% from that peak.

As of August 2026: $348,717, −1.9% over twelve months.

Start with the typical home: $348,717. Put 20% down and borrow $278,974 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,932 a month in principal and interest.

The median household here earns $96,150 a year, $8,013 a month. So the payment takes 24.1% of income — rated “affordable” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 8.1% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $705.

In December 2020, with rates at 2.68%, it was $878.

By August 2026, at 6.67%, it was $1,794 — +104% since December 2020, while the home's value moved +29%.

Reported values rose +196% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $232,301. So the real change is +50%, not +196%.

75154: +147% since January 2009.

Ellis County: +145% since January 2009.

Texas: +108% since January 2009 — 75154 ran ahead of it by 39 points.

Against 1,763 Texas ZIP codes, 75154 sits at the 49th percentile for affordability (price vs local income).

29th for appreciation (recent value growth); 71st for rental yield (rent vs price).

Owning the typical home costs about $2,280 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,272 a month.

Price divided by a year's rent: 12.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 82 a month (Redfin, 3-month rolling data through August 2026). That is 110% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 278. That is 165% of the 2015–2019 level for the same months.

Going out — closed sales: about 54 a month. That is 86% of the 2015–2019 level for the same months. The drain is drawn 48% narrower: the share of homes for sale that sell each month is 52% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.2 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 28 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 54 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 60 — so sales ran at 90% of it, and below it in 13 of the last 24 months.

Across Ellis County, builders pulled permits for 3,678 new homes in 2025.

Of those, 88% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Ellis County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 6,071 moved in. Among the ten receiving the most, 3,741 moved out.

Net across those counties: +2,330 households. Beside it, homes for sale in this ZIP: 278 in June 2026.

Most arrivals came from Dallas, TX (3,219 households); most departures went to Dallas, TX (1,509).