Gonzales County, Texas home prices
Typical home $253,175 · -6.2% in a year · property tax 1.31%
The typical home in Gonzales County is worth $253,175, 15% less than the Texas typical home ($296,424). Values changed -6.2% in the past year and -11.0% over five years. Homeowners here pay a median 1.31% of their home's value in property tax each year ($3,316 on the typical home), versus 1.32% statewide.
Mortgage on the typical Gonzales County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $50,635 | $202,540 | $1,363 | $0 | $403 | $1,765 | $75,700 |
| 10% down | $25,318 | $227,858 | $1,533 | $95 | $403 | $2,031 | $87,000 |
| 5% down | $12,659 | $240,517 | $1,618 | $100 | $403 | $2,121 | $90,900 |
| 3.5% down (FHA) | $8,861 | $248,590 | $1,672 | $112 | $403 | $2,187 | $93,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.31% 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 |
|---|---|---|---|
| Irion County | $252,990 | -6.3% | 0.7% |
| Ector County | $252,414 | +3.8% | 1.27% |
| Martin County | $251,649 | +1.8% | 0.91% |
| Bexar County | $250,969 | -2.3% | 1.73% |
| Hopkins County | $255,721 | -3.2% | 1% |
| McLennan County | $257,622 | +0.4% | 1.42% |
| Bell County | $247,929 | -1.9% | 1.44% |
| Montague County | $260,206 | -2.0% | 0.92% |
| Armstrong County | $245,373 | +9.5% | 1.23% |
| Hartley County | $261,373 | +7.7% | 1.01% |
Frequently asked questions
What is the average home price in Gonzales County, TX?
The typical home value in Gonzales County is $253,175 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Gonzales County?
About $75,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Gonzales County?
The median effective rate is 1.31% of home value a year (Census ACS 2024 5-year estimates).