Delta County, Texas home prices
Typical home $201,862 · +0.1% in a year · property tax 0.95%
The typical home in Delta County is worth $201,862, 32% less than the Texas typical home ($296,424). Values changed +0.1% in the past year and +15.7% over five years. Homeowners here pay a median 0.95% of their home's value in property tax each year ($1,920 on the typical home), versus 1.32% statewide.
Mortgage on the typical Delta County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $40,372 | $161,489 | $1,086 | $0 | $261 | $1,347 | $57,700 |
| 10% down | $20,186 | $181,676 | $1,222 | $76 | $261 | $1,559 | $66,800 |
| 5% down | $10,093 | $191,769 | $1,290 | $80 | $261 | $1,631 | $69,900 |
| 3.5% down (FHA) | $7,065 | $198,206 | $1,333 | $89 | $261 | $1,684 | $72,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.95% 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 |
|---|---|---|---|
| Lamar County | $201,796 | +1.3% | 0.87% |
| Menard County | $201,702 | +6.3% | 1.95% |
| Sabine County | $201,342 | +3.1% | 0.82% |
| Clay County | $200,720 | +2.5% | 1.27% |
| Panola County | $200,567 | +3.6% | 0.79% |
| Crane County | $200,382 | +1.3% | 1.04% |
| Houston County | $203,663 | +0.4% | 0.84% |
| Calhoun County | $204,106 | +1.5% | 1.26% |
| Cameron County | $204,554 | +1.3% | 1.5% |
| Val Verde County | $204,781 | -4.3% | 1.43% |
Frequently asked questions
What is the average home price in Delta County, TX?
The typical home value in Delta County is $201,862 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Delta County?
About $57,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Delta County?
The median effective rate is 0.95% of home value a year (Census ACS 2024 5-year estimates).