Caldwell County, Texas home prices
Typical home $280,021 · -5.1% in a year · property tax 1.35%
The typical home in Caldwell County is worth $280,021, 6% less than the Texas typical home ($296,424). Values changed -5.1% in the past year and -1.6% over five years. Homeowners here pay a median 1.35% of their home's value in property tax each year ($3,767 on the typical home), versus 1.32% statewide.
Mortgage on the typical Caldwell County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $56,004 | $224,017 | $1,507 | $0 | $454 | $1,961 | $84,000 |
| 10% down | $28,002 | $252,019 | $1,695 | $105 | $454 | $2,254 | $96,600 |
| 5% down | $14,001 | $266,020 | $1,790 | $111 | $454 | $2,354 | $100,900 |
| 3.5% down (FHA) | $9,801 | $274,949 | $1,850 | $124 | $454 | $2,427 | $104,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.35% 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 Austin metro area.
Texas counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Grayson County | $280,311 | -4.6% | 1.27% |
| Real County | $279,435 | -1.1% | 1.07% |
| Madison County | $278,799 | -1.9% | 0.98% |
| Fannin County | $282,735 | -1.3% | 1.08% |
| Harris County | $276,524 | -2.0% | 1.62% |
| Van Zandt County | $276,416 | -0.1% | 1.03% |
| Palo Pinto County | $283,776 | +0.4% | 1.11% |
| Glasscock County | $275,886 | +5.8% | 0.55% |
| Walker County | $274,264 | +0.3% | 1.18% |
| Hunt County | $271,566 | -2.3% | 1.24% |
Frequently asked questions
What is the average home price in Caldwell County, TX?
The typical home value in Caldwell County is $280,021 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Caldwell County?
About $84,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Caldwell County?
The median effective rate is 1.35% of home value a year (Census ACS 2024 5-year estimates).