White Oak, TX—75693
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — White Oak, TX
As of Oct '25, the median home price in White Oak, TX is $240,000, with a year-over-year change of 2.3%. This indicates that home prices in White Oak, TX are increasing. According to Zillow, the 1-year price projection is -0.3%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $240,000 | 2.3% |
| Single Family | $241,000 | 2.1% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | $255,000 | 0.8% |
4 Bed | $345,000 | 1.8% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — White Oak, TX
As of July '25, Rentcast reports the average rent in White Oak, TX is $1,510, with a year-over-year rent change of 33.6%. Per bedroom, the median rent as of July '25 in White Oak, TX is 3-bedrooms: $1,510. The most common rental property sizes in White Oak, TX are 3-bedroom and 2-bedroom, accounting for 36.8% and 34.4% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,650 | $1,510 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | $1,650 | $1,510 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — White Oak, TX
As of Oct '25, Realtor.com reports that the median days on market for a home in White Oak, TX is 53. This is a increase of 2.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 31.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $355,000 | -3.0% |
Listing Count | 39 | 62.0% |
| Listings as % of Homes | 0.5% | 62.0% |
Days on Market | 53 | 2.0% |
Demographics — White Oak, TX
As of the latest ACS Survey released in 2023, White Oak, TX has a population of 5,920, which has decreased by -16.9% over the past 5 years. White Oak, TX is a popular place for families, as children make up 25.3% of the population. The area has a poorly educated workforce, with 18.9% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 5.4% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 5,920 | -16.9% |
% Under 18 | 25.3% | -9.3% |
% Seniors | 14.2% | 16.4% |
% WFH | 5.4% | 54.3% |
% w/ College Degree | 18.9% | -6.4% |
As of the latest ACS Survey released in 2023, White Oak, TX is a predominantly white area, with 72.3% of the population identifying as white. The white population has shrunk by 8.6% in the last 5 years. The second most common race or ethnicity in White Oak, TX is hispanic, making up 12.4% of the population. Foreign-born residents account for 1.1% of the population in White Oak, TX, and this percentage has decreased by 87.2% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 72.3% | -8.6% |
% Black | 6.0% | 46.3% |
% Hispanic | 12.4% | -16.2% |
% Asian | 0.1% | -75.0% |
% Foreign Born | 1.1% | -87.2% |
Mortgage and Risk — White Oak, TX
According to HUD data as of 2023, there were 111 mortgage originations in White Oak, TX, of which 73.0% of loans were conventional mortgages. The average loan-to-value was 72.0%, with 41.0% above 90% LTV (very high). This implies large mortgage risk in White Oak, TX. Investor activity is low, as 7.0% of loans were by investors. 14.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 111 |
% Conventional Loans | 73.0% |
% Government Loans | 27.0% |
% Investor Loans | 7.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 14.0% |
Loan Activity
Rentals and Section 8 — White Oak, TX
White Oak, TX lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 2 |
Total Units Section 8 | 2 |
% Rentals under Section 8 | 0.4% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,140 |
| 2 Bedroom | N/A | N/A | $1,370 |
| 3 Bedroom | $210 | $1,650 | $1,860 |
| 4 Bedroom | N/A | N/A | $1,960 |
Affordability — White Oak, TX
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.6 |
| Median Home Price | $240,000 |
| Median Household Income | $86,300 |