ZIP Code · TX

ZIP 75020

Part of Denison, TX
Pop. 24,835·Grayson County·480th most expensive ZIP in Texas
Median rent (all units)
$1,412/mo
Year-over-Year
-3.4%
Month-over-Month
-0.2%
vs US Median
-$520
Reported rents
Stable (Monthly)
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Most AffordableMost Expensive
ZIP 75020 · $1,412
More affordable than 79% of US ZIP codes · National median $1,932/mo
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Medians by bedroom

Rent by unit size

Studio
$1,050
1 BR
$1,050
2 BR
$1,300
3 BR
$1,810
4 BR+
$2,080
Research median
$1,300/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Compared with the peak

Rent in ZIP 75020 is 3.9% below its high of $1,469 in November 2025, at $1,412 as of September 2026.

Past year vs. the rest of Texas

Rent in ZIP 75020 changed -3.4% over the year to September 2026. Across the 629 Texas ZIP codes Zillow tracks, the typical change was +1.2%.

Recent direction

Rent has fallen 2 months in a row, and rose in 3 of the last 12 months.

What a typical income covers

30% of the median household income ($71,605) is $1,790 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($1,300); a 3-bedroom is $1,810.

Cheaper nearby

ZIP 75092, 10 miles away, rents for 14% less ($1,215/mo), about $2,400 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 75020. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost
$16,944/yr
At $1,412/mo median
Location
StateTX
CountyGrayson County
Rent Market Meter
Renter's Market
Renter's MarketBalancedLandlord's Market
Rents are softening (down 3.4% YoY), so renters have negotiating leverage.
Based on rent-price momentum (-3.4% YoY, -0.2% MoM), not inventory.
Demographics

Who lives here

ZIP 75020 (Denison, TX) is majority owner-occupied, has a large retiree population, 19.6% of residents hold a bachelor's degree or higher.

Population
24,835
Median income
$71,605
Median age
40.8
Renters
41.3%
Age distribution
24.8%
17.3%
24.9%
21%
Under 1824.8%
18–3417.3%
35–5424.9%
55–6411.9%
65+21%
Gender
48.7%
51.3%
Male48.7%
Female51.3%
Race & ethnicity
75.3%
16.1%
White75.3%
Black6.6%
Hispanic16.1%
Asian0.7%
Other1.4%
Education (25+)
31.6%
38.4%
19.6%
No HS diploma10.3%
HS diploma31.6%
Some college38.4%
Bachelor's+19.6%
Housing tenure
58.7%
41.3%
Owner58.7%
Renter41.3%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2023 vs 2026

How ZIP 75020 in Denison, TX has changed in 5 years

Rent
$1,369 → $1,412
up 3.1%
Income
$58,252 → $71,605
up 22.9%
Population
23,184 → 24,835
up 7.1%
Renter share
39.6% → 41.3%
+1.7 pts
Bachelor's+
20.4% → 19.6%
-0.8 pts
Median age
39.6 → 40.8
+1.2 yrs

Five years ago, renters in ZIP 75020 in Denison, TX paid around $1,369 a month. That figure now sits near $1,412, up 3.1% from the 2023 baseline. On the earnings side, the typical household in ZIP 75020 in Denison, TX now reports about $71,605, up from $58,252 in 2021. With wages climbing faster than rent over the same window, renters here have a bit more breathing room than they did five years back. Census counts show ZIP 75020 in Denison, TX adding about 1,651 residents over the five-year window, up 7.1% on net. The renter share has risen from 39.6% to 41.3%, with owner-occupied housing accounting for the remainder. For context, the 2023 to 2026 window covers an unusually volatile run for US rents nationally, and ZIP 75020 in Denison, TX reflects that arc in its own way.

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About renting in ZIP 75020

Last updated: October 17, 2026

ZIP code 75020 covers Denison, TX. The median rent here is $1,412/mo as of October 2026. A 1-bedroom rents for a median of $1,050/mo. A 2-bedroom rents for a median of $1,300/mo.

At 24% of local median household income ($71,605/yr), ZIP 75020 ranks as affordable compared to the national benchmark of 30%. Rents have decreased 3.4% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 75020?

To keep rent at or below 30% of gross income, you would need to earn at least $56,000/year (about $27/hour full-time) to afford the median rent of $1,412/mo in ZIP 75020. The local median household income is $71,605/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 75020?

Rent in ZIP 75020 has fallen 3.4% over the past year as of September 2026. It sits 3.9% below its high of $1,469 in November 2025.

How does ZIP 75020 compare to other ZIPs in Texas?

ZIP 75020 is one of the more affordable among Texas ZIP codes for rent, ranking #480 of 693 at $1,412/mo. Over the year to September 2026, rent in ZIP 75020 changed -3.4%, against a typical +1.2% across the 629 Texas ZIP codes Zillow tracks.

How does ZIP 75020 compare to the rest of Denison?

At $1,412/mo, ZIP 75020 is $1 above the Denison citywide median of $1,411/mo.
Income Affordability
24%
VERY AFFORDABLE

At $1,412/mo, rent takes ~24% of ZIP 75020's median household income ($71,605/yr). The standard benchmark is 30%.

ZIP 75020 24%Benchmark 30%
State income taxNone
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Schools nearby

Public schools near ZIP 75020 (Denison, TX)

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