Freestone County, Texas home prices
Typical home $227,480 · -2.3% in a year · property tax 0.94%
The typical home in Freestone County is worth $227,480, 23% less than the Texas typical home ($296,424). Values changed -2.3% in the past year and +5.4% over five years. Homeowners here pay a median 0.94% of their home's value in property tax each year ($2,139 on the typical home), versus 1.32% statewide.
Mortgage on the typical Freestone County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $45,496 | $181,984 | $1,224 | $0 | $292 | $1,516 | $65,000 |
| 10% down | $22,748 | $204,732 | $1,377 | $85 | $292 | $1,755 | $75,200 |
| 5% down | $11,374 | $216,106 | $1,454 | $90 | $292 | $1,836 | $78,700 |
| 3.5% down (FHA) | $7,962 | $223,360 | $1,503 | $101 | $292 | $1,895 | $81,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.94% 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 |
|---|---|---|---|
| Navarro County | $227,542 | +1.7% | 1.2% |
| Tom Green County | $227,293 | -4.6% | 1.29% |
| Jack County | $228,017 | +0.0% | 0.98% |
| Taylor County | $228,744 | +9.9% | 1.37% |
| Hill County | $229,092 | +0.7% | 1.16% |
| Titus County | $225,677 | -1.5% | 1.2% |
| Nueces County | $225,135 | +0.6% | 1.59% |
| Coryell County | $224,581 | +0.7% | 1.36% |
| Hardin County | $230,858 | +2.2% | 1.09% |
| Nacogdoches County | $223,276 | +5.0% | 0.83% |
Frequently asked questions
What is the average home price in Freestone County, TX?
The typical home value in Freestone County is $227,480 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Freestone County?
About $65,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Freestone County?
The median effective rate is 0.94% of home value a year (Census ACS 2024 5-year estimates).