Hardeman County, Texas home prices
Typical home $63,138 · -14.0% in a year · property tax 1.04%
The typical home in Hardeman County is worth $63,138, 79% less than the Texas typical home ($296,424). Values changed -14.0% in the past year and — over five years. Homeowners here pay a median 1.04% of their home's value in property tax each year ($654 on the typical home), versus 1.32% statewide.
Mortgage on the typical Hardeman County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $12,628 | $50,510 | $340 | $0 | $86 | $426 | $18,200 |
| 10% down | $6,314 | $56,824 | $382 | $24 | $86 | $492 | $21,100 |
| 5% down | $3,157 | $59,981 | $403 | $25 | $86 | $515 | $22,100 |
| 3.5% down (FHA) | $2,210 | $61,994 | $417 | $28 | $86 | $531 | $22,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.04% 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 |
|---|---|---|---|
| Brooks County | $66,227 | -10.5% | 1.31% |
| Cochran County | $51,155 | -7.7% | 1.1% |
| Cottle County | $77,429 | +18.3% | 1.15% |
| Jim Hogg County | $78,647 | -7.1% | 0.97% |
| Collingsworth County | $84,832 | -2.4% | 1.26% |
| Foard County | $84,841 | -6.0% | 1.12% |
| Crosby County | $85,807 | +3.0% | 1.83% |
| Duval County | $86,206 | -10.6% | 1.28% |
| Floyd County | $86,253 | +1.4% | 1.24% |
| Hall County | $86,993 | +7.8% | 1.26% |
Frequently asked questions
What is the average home price in Hardeman County, TX?
The typical home value in Hardeman County is $63,138 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Hardeman County?
About $18,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Hardeman County?
The median effective rate is 1.04% of home value a year (Census ACS 2024 5-year estimates).