The story of this market
The typical home in ZIP 76692 sells for about $298,000, or $136 per square foot.
Prices are down 55.8% from a year ago, which gives buyers more room to negotiate. Homes take about 65 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $1,110 a month.
ZIP 76692 — Whitney
The Whitney housing market is currently experiencing a buyer's market with a median sale price of $298,000. Market activity is moderate, with 20 homes sold in the most recent month and a median of 65 days on market. The area remains a stable, recreation-focused community with a high owner-occupancy rate.
This ZIP is well-suited for retirees, outdoor enthusiasts, and those seeking a slower-paced lifestyle near Lake Whitney, as well as investors looking for rental opportunities in a lake-adjacent market.
Median prices moved down 55.8% year over year.
Homes spend a median of 65 days on market with 1.1 months of supply — a fast-moving market.
6% of listings have cut prices · homes sell at 94.8% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.4% · poverty 14.2% — a stable, low-distress profile.
versus the prior ACS vintage
ZCTA 76692, Hill County TX
The area is served by the Whitney Independent School District, which provides public education for the local community.
The area is situated near Lake Whitney, necessitating awareness of flood-plain management and standard regional wind/storm insurance considerations.
Economic activity is anchored by the proximity to Lake Whitney and regional agricultural and service sectors, with steady residential interest.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Texas) — Ad Valorem Real Property Taxation and Assessment Ratio: Mandates ad valorem appraisal of all real property at 100% of fair market value as of January 1 each tax year (Assessment Ratio = 1.00). State (Texas) — General Residence Homestead Exemption and 10% Valuation Growth Cap: Imposes mandatory state-level valuation deductions and growth limitations on the qualifying homestead: (1) Mandates a $100,000 deduction from appraised value for independent school district (ISD) maintenance and operations/debt taxation: Taxable Value_ISD = Appraised Value - $100… State (Texas) — Senior (65+) and Disabled Homestead Exemption and School Tax Ceiling: Grants an additional mandatory $10,000 exemption from ISD appraised value (Taxable Value_ISD = Appraised Value - $100,000 - $10,000) and establishes an absolute statutory tax freeze (school tax ceiling): total ISD property taxes cannot exceed the dollar ceiling established in the…
Residents primarily rely on personal vehicles for commuting, with State Highway 22 serving as a primary corridor connecting to regional employment hubs.
The area is defined by its proximity to Lake Whitney, offering extensive boating, fishing, and camping opportunities, alongside local parks and community facilities.
The rental market is characterized by a mix of long-term residential leases and seasonal demand driven by lake-related tourism, with a 24.4% vacancy rate reported.
The local economy is largely supported by tourism, recreation, and local services, with a significant portion of the workforce commuting to nearby regional centers.
Transportation is primarily automobile-dependent, with State Highway 22 acting as the main artery for regional connectivity.
Development is focused on residential expansion and maintenance of recreational infrastructure around the lake.
The Hill County Appraisal District manages property assessments for all parcels within the county, including those in 76692.
Parcels are subject to taxation by the Whitney Independent School District and Hill County, with potential additional levies from local water or utility districts.
Property insurance premiums are influenced by regional weather patterns, including wind and hail exposure common in North Central Texas.
Data retrieved from US Census Bureau ZCTA 76692 profiles.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment. Source: NCES EDGE public school locations 2023-24.
A major reservoir offering fishing, boating, and water sports.
Provides hiking trails, camping, and lake access.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.