Deaf Smith County, Texas home prices
Typical home $172,414 · -1.8% in a year · property tax 1.48%
The typical home in Deaf Smith County is worth $172,414, 42% less than the Texas typical home ($296,424). Values changed -1.8% in the past year and +7.4% over five years. Homeowners here pay a median 1.48% of their home's value in property tax each year ($2,560 on the typical home), versus 1.32% statewide.
Mortgage on the typical Deaf Smith County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $34,483 | $137,931 | $928 | $0 | $300 | $1,227 | $52,600 |
| 10% down | $17,241 | $155,173 | $1,044 | $65 | $300 | $1,408 | $60,300 |
| 5% down | $8,621 | $163,794 | $1,102 | $68 | $300 | $1,470 | $63,000 |
| 3.5% down (FHA) | $6,035 | $169,291 | $1,139 | $76 | $300 | $1,515 | $64,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.48% 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 Hereford metro area.
Texas counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Tyler County | $172,727 | +2.4% | 0.89% |
| Hemphill County | $171,727 | +11.7% | 1.16% |
| Willacy County | $173,352 | -3.2% | 1.68% |
| Parmer County | $173,393 | +10.7% | 1.28% |
| Red River County | $170,667 | +10.4% | 1.01% |
| Limestone County | $174,480 | -2.1% | 1.19% |
| Polk County | $174,922 | -4.6% | 0.9% |
| Wichita County | $169,452 | +2.1% | 1.64% |
| Trinity County | $169,177 | -5.5% | 1.06% |
| Jefferson County | $176,616 | +4.1% | 1.53% |
Frequently asked questions
What is the average home price in Deaf Smith County, TX?
The typical home value in Deaf Smith County is $172,414 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Deaf Smith County?
About $52,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Deaf Smith County?
The median effective rate is 1.48% of home value a year (Census ACS 2024 5-year estimates).