Chambers County, Texas home prices
Typical home $348,474 · +0.4% in a year · property tax 1.05%
The typical home in Chambers County is worth $348,474, 18% more than the Texas typical home ($296,424). Values changed +0.4% in the past year and +10.3% over five years. Homeowners here pay a median 1.05% of their home's value in property tax each year ($3,674 on the typical home), versus 1.32% statewide.
Mortgage on the typical Chambers County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $69,695 | $278,779 | $1,875 | $0 | $480 | $2,356 | $101,000 |
| 10% down | $34,847 | $313,626 | $2,110 | $131 | $480 | $2,721 | $116,600 |
| 5% down | $17,424 | $331,050 | $2,227 | $138 | $480 | $2,845 | $121,900 |
| 3.5% down (FHA) | $12,197 | $342,162 | $2,302 | $154 | $480 | $2,936 | $125,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.05% 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 |
|---|---|---|---|
| Grimes County | $350,588 | -1.8% | 1.02% |
| Bastrop County | $351,578 | -4.6% | 1.41% |
| Lee County | $351,670 | -0.0% | 0.96% |
| Kimble County | $344,722 | +5.6% | 1.27% |
| Mason County | $344,398 | -0.5% | 0.84% |
| Montgomery County | $340,504 | -1.4% | 1.52% |
| Erath County | $338,569 | -0.2% | 1.07% |
| Waller County | $358,663 | -1.8% | 1.27% |
| Johnson County | $336,224 | -1.1% | 1.24% |
| Washington County | $363,966 | +0.2% | 1.09% |
Frequently asked questions
What is the average home price in Chambers County, TX?
The typical home value in Chambers County is $348,474 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Chambers County?
About $101,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Chambers County?
The median effective rate is 1.05% of home value a year (Census ACS 2024 5-year estimates).