Austin County, Texas home prices
Typical home $420,802 · +0.2% in a year · property tax 1.16%
The typical home in Austin County is worth $420,802, 42% more than the Texas typical home ($296,424). Values changed +0.2% in the past year and +9.8% over five years. Homeowners here pay a median 1.16% of their home's value in property tax each year ($4,866 on the typical home), versus 1.32% statewide.
Mortgage on the typical Austin County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $84,160 | $336,642 | $2,265 | $0 | $616 | $2,880 | $123,400 |
| 10% down | $42,080 | $378,722 | $2,548 | $158 | $616 | $3,321 | $142,300 |
| 5% down | $21,040 | $399,762 | $2,689 | $167 | $616 | $3,472 | $148,800 |
| 3.5% down (FHA) | $14,728 | $413,180 | $2,779 | $186 | $616 | $3,581 | $153,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.16% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Texas · part of the Houston metro area.
Texas counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Burnet County | $419,257 | -2.4% | 1.06% |
| Comal County | $431,172 | -1.0% | 1.13% |
| Rockwall County | $409,262 | -2.3% | 1.54% |
| Denton County | $432,421 | -2.9% | 1.61% |
| Somervell County | $408,550 | +1.1% | 0.91% |
| Fayette County | $437,101 | -3.6% | 0.89% |
| Parker County | $443,613 | -0.1% | 1.4% |
| Llano County | $446,002 | -4.1% | 0.75% |
| Wilson County | $395,462 | -0.2% | 1.22% |
| Williamson County | $394,699 | -4.8% | 1.61% |
Frequently asked questions
What is the average home price in Austin County, TX?
The typical home value in Austin County is $420,802 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Austin County?
About $123,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Austin County?
The median effective rate is 1.16% of home value a year (Census ACS 2024 5-year estimates).