Galveston County, Texas home prices
Typical home $316,541 · -1.1% in a year · property tax 1.41%
The typical home in Galveston County is worth $316,541, 7% more than the Texas typical home ($296,424). Values changed -1.1% in the past year and +7.7% over five years. Homeowners here pay a median 1.41% of their home's value in property tax each year ($4,469 on the typical home), versus 1.32% statewide.
Mortgage on the typical Galveston County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $63,308 | $253,233 | $1,704 | $0 | $531 | $2,234 | $95,800 |
| 10% down | $31,654 | $284,887 | $1,916 | $119 | $531 | $2,566 | $110,000 |
| 5% down | $15,827 | $300,714 | $2,023 | $125 | $531 | $2,679 | $114,800 |
| 3.5% down (FHA) | $11,079 | $310,808 | $2,091 | $140 | $531 | $2,762 | $118,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.41% 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 Houston metro area.
Texas counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Medina County | $317,400 | -2.3% | 1.32% |
| Cooke County | $318,246 | -0.8% | 1.19% |
| Tarrant County | $318,481 | -0.8% | 1.65% |
| Franklin County | $311,993 | +2.6% | 0.89% |
| Lampasas County | $311,545 | +1.9% | 1.17% |
| Brazos County | $310,538 | -0.2% | 1.54% |
| Brazoria County | $323,788 | -1.3% | 1.66% |
| Bandera County | $328,128 | -2.5% | 0.88% |
| Dallas County | $304,821 | -1.6% | 1.58% |
| Leon County | $304,189 | +1.3% | 0.69% |
Frequently asked questions
What is the average home price in Galveston County, TX?
The typical home value in Galveston County is $316,541 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Galveston County?
About $95,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Galveston County?
The median effective rate is 1.41% of home value a year (Census ACS 2024 5-year estimates).