Baylor County, Texas home prices
Typical home $136,644 · +17.4% in a year · property tax 1.25%
The typical home in Baylor County is worth $136,644, 54% less than the Texas typical home ($296,424). Values changed +17.4% in the past year and +4.7% over five years. Homeowners here pay a median 1.25% of their home's value in property tax each year ($1,707 on the typical home), versus 1.32% statewide.
Mortgage on the typical Baylor County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $27,329 | $109,315 | $735 | $0 | $211 | $946 | $40,500 |
| 10% down | $13,664 | $122,979 | $827 | $51 | $211 | $1,089 | $46,700 |
| 5% down | $6,832 | $129,811 | $873 | $54 | $211 | $1,138 | $48,800 |
| 3.5% down (FHA) | $4,783 | $134,169 | $903 | $60 | $211 | $1,174 | $50,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.25% 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.
Texas counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Jim Wells County | $137,856 | -10.1% | 1.15% |
| Childress County | $135,325 | +26.5% | 1.19% |
| Runnels County | $138,829 | +8.9% | 1.37% |
| Castro County | $139,264 | -2.2% | 0.92% |
| Refugio County | $133,719 | -6.7% | 1.47% |
| Dimmit County | $133,562 | +4.7% | 1.43% |
| Throckmorton County | $139,924 | -12.3% | 1.28% |
| Hansford County | $133,079 | +6.6% | 1.81% |
| Sutton County | $140,701 | -4.4% | 1.22% |
| Falls County | $141,228 | -3.1% | 1.37% |
Frequently asked questions
What is the average home price in Baylor County, TX?
The typical home value in Baylor County is $136,644 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Baylor County?
About $40,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Baylor County?
The median effective rate is 1.25% of home value a year (Census ACS 2024 5-year estimates).