ZIP 76432 vs ZIP 76802

76432 is one of 7 ZIP codes that lie mostly in Brown County, TX — 58% of its own area is in the county.

Shaded by typical home value, it ranks 3 of the 7 with a value.

1 school location in 76432: 1 high.

In alphabetical order: BLANKET SCHOOL. Locations only — no ratings are shown here.

76802 is one of 7 ZIP codes that lie mostly in Brown County, TX.

Shaded by typical home value, it ranks 4 of the 7 with a value.

5 school locations in 76802: 2 elementary, 1 middle, 2 high.

In alphabetical order: EARLY EL, EARLY H S, EARLY MIDDLE, EARLY PRI, and more on the ZIP page. Locations only — no ratings are shown here.

In February 2022 the typical home in 76432 was worth $284,327.

Values peaked at $314,239 in August 2026. The latest reading is the peak.

As of August 2026: $314,239, +2.6% over twelve months.

Start with the typical home: $314,239. Put 20% down and borrow $251,391 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,741 a month in principal and interest.

The median household here earns $61,298 a year, $5,108 a month. So the payment takes 34.1% of income — rated “stretched” (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 30.8% in 2022.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in February 2022 (3.76%) the payment was $1,055.

In February 2022, with rates at 3.76%, it was $1,055.

By August 2026, at 6.67%, it was $1,617 — +53% since February 2022, while the home's value moved +11%.

Reported values rose +11% since February 2022.

General prices (CPI-U) rose +17% over the same span.

Divide one by the other: in August 2026 dollars, the 2022 home was worth $333,928. So the real change is −6%, not +11%.

76432: +11% since February 2022.

Brown County: +3% since February 2022.

Texas: +3% since February 2022 — 76432 ran ahead of it by 8 points.

Owning the typical home costs about $2,055 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $758 a month.

Price divided by a year's rent: 34.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In February 2009 the typical home in 76802 was worth $133,730.

Values peaked at $254,456 in June 2025. The latest reading is −0.4% from that peak.

As of August 2026: $253,459, +0.3% over twelve months.

Start with the typical home: $253,459. Put 20% down and borrow $202,767 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,404 a month in principal and interest.

The median household here earns $78,000 a year, $6,500 a month. So the payment takes 21.6% 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 11.4% in 2009.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in February 2009 (5.13%) the payment was $583.

In December 2020, with rates at 2.68%, it was $617.

By August 2026, at 6.67%, it was $1,304 — +111% since December 2020, while the home's value moved +33%.

Reported values rose +90% since February 2009.

General prices (CPI-U) rose +57% over the same span.

Divide one by the other: in August 2026 dollars, the 2009 home was worth $210,072. So the real change is +21%, not +90%.

76802: +90% since February 2009.

Brown County: +60% since February 2009.

Texas: +109% since February 2009 — 76802 ran behind it by 19 points.

Owning the typical home costs about $1,657 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,125 a month.

Price divided by a year's rent: 18.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Homes sold: about 1 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 1 — so sales ran at 100% of it, and below it in 6 of the last 24 months.

Across Brown County, builders pulled permits for 205 new homes in 2025.

Of those, 75% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Homes sold: about 6 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 6 — so sales ran at 100% of it, and below it in 19 of the last 24 months.

Across Brown County, builders pulled permits for 205 new homes in 2025.

Of those, 75% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Brown County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 326 moved in. Among the ten receiving the most, 224 moved out.

Net across those counties: +102 households. Beside it, homes for sale in this ZIP: 5 in June 2026.

Most arrivals came from Taylor, TX (48 households); most departures went to Taylor, TX (46).

This ZIP sits in Brown County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 326 moved in. Among the ten receiving the most, 224 moved out.

Net across those counties: +102 households. Beside it, homes for sale in this ZIP: 23 in June 2026.

Most arrivals came from Taylor, TX (48 households); most departures went to Taylor, TX (46).