Cherokee County, Texas home prices
Typical home $233,774 · -1.0% in a year · property tax 1.16%
The typical home in Cherokee County is worth $233,774, 21% less than the Texas typical home ($296,424). Values changed -1.0% in the past year and +13.4% over five years. Homeowners here pay a median 1.16% of their home's value in property tax each year ($2,711 on the typical home), versus 1.32% statewide.
Mortgage on the typical Cherokee County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $46,755 | $187,019 | $1,258 | $0 | $343 | $1,601 | $68,600 |
| 10% down | $23,377 | $210,396 | $1,415 | $88 | $343 | $1,846 | $79,100 |
| 5% down | $11,689 | $222,085 | $1,494 | $93 | $343 | $1,929 | $82,700 |
| 3.5% down (FHA) | $8,182 | $229,540 | $1,544 | $103 | $343 | $1,990 | $85,300 |
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 Jacksonville metro area.
Texas counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Liberty County | $233,304 | -3.2% | 1.17% |
| El Paso County | $233,084 | +2.5% | 2.03% |
| Comanche County | $235,551 | +6.1% | 1.35% |
| Upshur County | $235,784 | +1.2% | 1.19% |
| Hardin County | $230,858 | +2.2% | 1.09% |
| Hill County | $229,092 | +0.7% | 1.16% |
| Taylor County | $228,744 | +9.9% | 1.37% |
| Archer County | $239,118 | +5.4% | 1.21% |
| San Jacinto County | $239,361 | -3.4% | 0.99% |
| Jack County | $228,017 | +0.0% | 0.98% |
Frequently asked questions
What is the average home price in Cherokee County, TX?
The typical home value in Cherokee County is $233,774 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Cherokee County?
About $68,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Cherokee County?
The median effective rate is 1.16% of home value a year (Census ACS 2024 5-year estimates).