Fannin County, Texas home prices
Typical home $282,735 · -1.3% in a year · property tax 1.08%
The typical home in Fannin County is worth $282,735, 5% less than the Texas typical home ($296,424). Values changed -1.3% in the past year and +13.2% over five years. Homeowners here pay a median 1.08% of their home's value in property tax each year ($3,060 on the typical home), versus 1.32% statewide.
Mortgage on the typical Fannin County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $56,547 | $226,188 | $1,522 | $0 | $396 | $1,918 | $82,200 |
| 10% down | $28,273 | $254,461 | $1,712 | $106 | $396 | $2,214 | $94,900 |
| 5% down | $14,137 | $268,598 | $1,807 | $112 | $396 | $2,315 | $99,200 |
| 3.5% down (FHA) | $9,896 | $277,614 | $1,868 | $125 | $396 | $2,389 | $102,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.08% 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 |
|---|---|---|---|
| Palo Pinto County | $283,776 | +0.4% | 1.11% |
| Grayson County | $280,311 | -4.6% | 1.27% |
| Caldwell County | $280,021 | -5.1% | 1.35% |
| Real County | $279,435 | -1.1% | 1.07% |
| Madison County | $278,799 | -1.9% | 0.98% |
| Harris County | $276,524 | -2.0% | 1.62% |
| Van Zandt County | $276,416 | -0.1% | 1.03% |
| Glasscock County | $275,886 | +5.8% | 0.55% |
| Lavaca County | $289,905 | +1.4% | 0.89% |
| Rains County | $290,163 | +2.6% | 1.02% |
Frequently asked questions
What is the average home price in Fannin County, TX?
The typical home value in Fannin County is $282,735 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Fannin County?
About $82,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Fannin County?
The median effective rate is 1.08% of home value a year (Census ACS 2024 5-year estimates).