Frio County, Texas home prices
Typical home $166,174 · +1.4% in a year · property tax 1.55%
The typical home in Frio County is worth $166,174, 44% less than the Texas typical home ($296,424). Values changed +1.4% in the past year and -21.7% over five years. Homeowners here pay a median 1.55% of their home's value in property tax each year ($2,577 on the typical home), versus 1.32% statewide.
Mortgage on the typical Frio County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $33,235 | $132,939 | $894 | $0 | $298 | $1,192 | $51,100 |
| 10% down | $16,617 | $149,557 | $1,006 | $62 | $298 | $1,366 | $58,600 |
| 5% down | $8,309 | $157,866 | $1,062 | $66 | $298 | $1,426 | $61,100 |
| 3.5% down (FHA) | $5,816 | $163,164 | $1,098 | $73 | $298 | $1,469 | $63,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.55% 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 |
|---|---|---|---|
| Carson County | $166,359 | +4.9% | 1.19% |
| Hockley County | $165,559 | +1.3% | 1.39% |
| Sherman County | $164,797 | +6.6% | 1.72% |
| San Augustine County | $167,865 | -1.8% | 0.68% |
| Trinity County | $169,177 | -5.5% | 1.06% |
| Wichita County | $169,452 | +2.1% | 1.64% |
| Cass County | $161,748 | -0.9% | 0.94% |
| Red River County | $170,667 | +10.4% | 1.01% |
| Shackelford County | $161,294 | +1.4% | 1.15% |
| McCulloch County | $161,246 | +8.0% | 0.99% |
Frequently asked questions
What is the average home price in Frio County, TX?
The typical home value in Frio County is $166,174 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Frio County?
About $51,100 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Frio County?
The median effective rate is 1.55% of home value a year (Census ACS 2024 5-year estimates).