ZIP 75189

75189 is one of 4 ZIP codes that lie mostly in Rockwall County, TX — 42% of its own area is in the county.

Shaded by typical home value, it ranks 3 of the 3 with a value.

12 school locations in 75189: 8 elementary, 2 middle, 2 high.

In alphabetical order: ANITA SCOTT EL, COLLIN COUNTY JJAEP, DAVIS EL, EDUCATION CENTER INTERNATIONAL ACADEMY 3, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 75189 was worth $152,931.

Values peaked at $388,179 in August 2022. The latest reading is −18.4% from that peak.

As of August 2026: $316,674, −4.5% over twelve months.

Start with the typical home: $316,674. Put 20% down and borrow $253,339 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,754 a month in principal and interest.

The median household here earns $118,105 a year, $9,842 a month. So the payment takes 17.8% 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 8.6% 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 $916.

In December 2020, with rates at 2.68%, it was $863.

By August 2026, at 6.67%, it was $1,629 — +89% since December 2020, while the home's value moved +19%.

Reported values rose +107% 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 $301,825. So the real change is +5%, not +107%.

75189: +84% since June 2008.

Rockwall County: +105% since June 2008.

Texas: +103% since June 2008 — 75189 ran behind it by 19 points.

Against 1,763 Texas ZIP codes, 75189 sits at the 85th percentile for affordability (price vs local income).

10th for appreciation (recent value growth); 82nd for rental yield (rent vs price).

Owning the typical home costs about $2,071 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,087 a month.

Price divided by a year's rent: 12.6. 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 149 a month (Redfin, 3-month rolling data through August 2026). That is 182% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 617.

Going out — closed sales: about 88 a month. That is 129% of the 2015–2019 level for the same months. The drain is drawn 67% narrower: the share of homes for sale that sell each month is 33% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 7.0 months of supply — above the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 61 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 88 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 59 — so sales ran at 149% of it, and below it in 0 of the last 24 months.

Across Rockwall County, builders pulled permits for 1,591 new homes in 2025.

Of those, 100% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Rockwall County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 4,407 moved in. Among the ten receiving the most, 3,296 moved out.

Net across those counties: +1,111 households. Beside it, homes for sale in this ZIP: 617 in June 2026.

Most arrivals came from Dallas, TX (2,181 households); most departures went to Dallas, TX (1,151).

County assessor records list 2,262 properties with a market value here. Their average assessed market value is $330,665; the typical home value is $316,674.

The assessor average sits +4.4% from the market figure — an average against a typical value, so treat it as a check, not a verdict.