Bandera County, Texas home prices
Typical home $328,128 · -2.5% in a year · property tax 0.88%
The typical home in Bandera County is worth $328,128, 11% more than the Texas typical home ($296,424). Values changed -2.5% in the past year and +2.9% over five years. Homeowners here pay a median 0.88% of their home's value in property tax each year ($2,873 on the typical home), versus 1.32% statewide.
Mortgage on the typical Bandera County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $65,626 | $262,503 | $1,766 | $0 | $404 | $2,169 | $93,000 |
| 10% down | $32,813 | $295,316 | $1,987 | $123 | $404 | $2,513 | $107,700 |
| 5% down | $16,406 | $311,722 | $2,097 | $130 | $404 | $2,630 | $112,700 |
| 3.5% down (FHA) | $11,484 | $322,185 | $2,167 | $145 | $404 | $2,716 | $116,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.88% 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 San Antonio metro area.
Texas counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Midland County | $329,884 | +1.7% | 1.23% |
| Brazoria County | $323,788 | -1.3% | 1.66% |
| Johnson County | $336,224 | -1.1% | 1.24% |
| Tarrant County | $318,481 | -0.8% | 1.65% |
| Cooke County | $318,246 | -0.8% | 1.19% |
| Erath County | $338,569 | -0.2% | 1.07% |
| Medina County | $317,400 | -2.3% | 1.32% |
| Galveston County | $316,541 | -1.1% | 1.41% |
| Montgomery County | $340,504 | -1.4% | 1.52% |
| Franklin County | $311,993 | +2.6% | 0.89% |
Frequently asked questions
What is the average home price in Bandera County, TX?
The typical home value in Bandera County is $328,128 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Bandera County?
About $93,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Bandera County?
The median effective rate is 0.88% of home value a year (Census ACS 2024 5-year estimates).