Garza County, Texas home prices
Typical home $121,629 · +2.0% in a year · property tax 1.57%
The typical home in Garza County is worth $121,629, 59% less than the Texas typical home ($296,424). Values changed +2.0% in the past year and -22.8% over five years. Homeowners here pay a median 1.57% of their home's value in property tax each year ($1,907 on the typical home), versus 1.32% statewide.
Mortgage on the typical Garza County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $24,326 | $97,303 | $655 | $0 | $220 | $874 | $37,500 |
| 10% down | $12,163 | $109,466 | $736 | $46 | $220 | $1,002 | $42,900 |
| 5% down | $6,081 | $115,548 | $777 | $48 | $220 | $1,045 | $44,800 |
| 3.5% down (FHA) | $4,257 | $119,426 | $803 | $54 | $220 | $1,077 | $46,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.57% 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 |
|---|---|---|---|
| Zapata County | $121,665 | -5.8% | 0.95% |
| Terry County | $121,439 | -1.4% | 1.69% |
| La Salle County | $120,225 | -8.5% | 1.47% |
| Nolan County | $120,201 | +7.7% | 1.53% |
| Upton County | $120,180 | +6.4% | 1.08% |
| Hale County | $119,100 | -3.4% | 1.31% |
| Motley County | $118,731 | +9.1% | 1.03% |
| Hutchinson County | $118,561 | +2.1% | 1.35% |
| Kinney County | $118,224 | +0.2% | 1.41% |
| Lipscomb County | $118,196 | +2.7% | 1.41% |
Frequently asked questions
What is the average home price in Garza County, TX?
The typical home value in Garza County is $121,629 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Garza County?
About $37,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Garza County?
The median effective rate is 1.57% of home value a year (Census ACS 2024 5-year estimates).