ZIP 76539

76539 is one of 3 ZIP codes that lie mostly in Lampasas County, TX — 71% of its own area is in the county.

Shaded by typical home value, it ranks 1 of the 3 with a value.

In October 2008 the typical home in 76539 was worth $175,367.

Values peaked at $369,863 in August 2022. The latest reading is −1.4% from that peak.

As of August 2026: $364,586, +1.2% over twelve months.

Start with the typical home: $364,586. Put 20% down and borrow $291,669 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,019 a month in principal and interest.

The median household here earns $95,899 a year, $7,992 a month. So the payment takes 25.3% 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 12.2% in 2008.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in October 2008 (6.20%) the payment was $859.

In December 2020, with rates at 2.68%, it was $860.

By August 2026, at 6.67%, it was $1,876 — +118% since December 2020, while the home's value moved +37%.

Reported values rose +108% since October 2008.

General prices (CPI-U) rose +54% over the same span.

Divide one by the other: in August 2026 dollars, the 2008 home was worth $270,032. So the real change is +35%, not +108%.

76539: +110% since May 2010.

Lampasas County: +136% since May 2010.

Texas: +109% since May 2010 — 76539 ran ahead of it by 2 points.

Owning the typical home costs about $2,384 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,950 a month.

Price divided by a year's rent: 15.6. 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 9 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 48.

Going out — closed sales: about 7 a month. The drain is drawn 54% narrower: the share of homes for sale that sell each month is 46% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 6.9 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 2 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 7 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 9 — so sales ran at 78% of it, and below it in 20 of the last 24 months.

Across Lampasas County, builders pulled permits for 16 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 Lampasas County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 493 moved in. Among the ten receiving the most, 417 moved out.

Net across those counties: +76 households. Beside it, homes for sale in this ZIP: 48 in June 2026.

Most arrivals came from Bell, TX (149 households); most departures went to Coryell, TX (141).