El Paso County, Texas home prices
Typical home $233,084 · +2.5% in a year · property tax 2.03%
The typical home in El Paso County is worth $233,084, 21% less than the Texas typical home ($296,424). Values changed +2.5% in the past year and +32.1% over five years. Homeowners here pay a median 2.03% of their home's value in property tax each year ($4,729 on the typical home), versus 1.32% statewide.
Mortgage on the typical El Paso County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $46,617 | $186,467 | $1,254 | $0 | $511 | $1,765 | $75,600 |
| 10% down | $23,308 | $209,776 | $1,411 | $87 | $511 | $2,009 | $86,100 |
| 5% down | $11,654 | $221,430 | $1,490 | $92 | $511 | $2,092 | $89,700 |
| 3.5% down (FHA) | $8,158 | $228,862 | $1,540 | $103 | $511 | $2,153 | $92,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 2.03% 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 El Paso metro area.
Texas counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Liberty County | $233,304 | -3.2% | 1.17% |
| Cherokee County | $233,774 | -1.0% | 1.16% |
| Hardin County | $230,858 | +2.2% | 1.09% |
| Comanche County | $235,551 | +6.1% | 1.35% |
| Upshur County | $235,784 | +1.2% | 1.19% |
| Hill County | $229,092 | +0.7% | 1.16% |
| Taylor County | $228,744 | +9.9% | 1.37% |
| Jack County | $228,017 | +0.0% | 0.98% |
| Navarro County | $227,542 | +1.7% | 1.2% |
| Freestone County | $227,480 | -2.3% | 0.94% |
Frequently asked questions
What is the average home price in El Paso County, TX?
The typical home value in El Paso County is $233,084 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in El Paso County?
About $75,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in El Paso County?
The median effective rate is 2.03% of home value a year (Census ACS 2024 5-year estimates).