ZIP Code 79404 — Lubbock, TX Home Prices (2026)
The typical home in ZIP 79404 (Lubbock, Texas) is worth about $102,000 at roughly $100 per square foot — 36% more affordable than the Lubbock median and 65% more affordable than the typical U.S. home.
How 79404 compares
ZIP 79404 is one of the more affordable ZIP codes in Lubbock: its typical home value of $102,000 ranks #12 of the 14 Lubbock ZIP codes we track (the citywide range runs from $101,000 in 79415 to $306,000 in 79424). Per square foot it costs about $100, against $112 for Lubbock as a whole, $173 for Texas, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 79404 | $102,000 | $100 |
| Lubbock, TX | $160,500 | $112 |
| Texas | $264,000 | $173 |
| United States | $294,000 | $195 |
Home value by size in 79404
Using this ZIP’s rate of about $100 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $100,000 |
| 1,500 sq ft | $150,000 |
| 2,000 sq ft | $200,000 |
| 2,500 sq ft | $250,000 |
| 3,000 sq ft | $300,000 |
Salary needed to buy a home in ZIP 79404
To buy the typical $102,000 home in ZIP 79404 with 20% down, you need a household income of roughly $28,000 a year (about $650 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $33,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $5,100 | $800/mo | $34,000/yr |
| 10% (+PMI) | $10,200 | $770/mo | $33,000/yr |
| 20% | $20,400 | $650/mo | $28,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 79404
At about $100 per square foot, here is roughly how much home different budgets get you in ZIP 79404:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1500 sq ft | above the median — larger homes or the pricier ZIPs |
| $200k | 2000 sq ft | above the median — larger homes or the pricier ZIPs |
| $250k | 2500 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 3000 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 79404 home.
Estimate a specific home in 79404
The estimator below is pre-set to ZIP 79404 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Lubbock ZIP codes by home value
Where 79404 sits among Lubbock’s 14 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 79424 | $306,000 | $156 |
| 2 | 79423 | $238,000 | $161 |
| 3 | 79407 | $227,000 | $152 |
| 4 | 79416 | $205,000 | $138 |
| 5 | 79413 | $194,000 | $112 |
| 6 | 79410 | $189,000 | $142 |
| 7 | 79367 | $166,000 | $101 |
| 8 | 79414 | $155,000 | $111 |
| 9 | 79401 | $152,000 | $105 |
| 10 | 79412 | $120,000 | $97 |
| 11 | 79403 | $104,000 | $93 |
| 12 | 79404 (this page) | $102,000 | $100 |
| 13 | 79411 | $101,000 | $99 |
| 14 | 79415 | $101,000 | $117 |
ZIP 79404 home prices: frequently asked
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See the full Lubbock home values page, all Texas cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.