Harris County, Texas home prices
Typical home $276,524 · -2.0% in a year · property tax 1.62%
The typical home in Harris County is worth $276,524, 7% less than the Texas typical home ($296,424). Values changed -2.0% in the past year and +11.3% over five years. Homeowners here pay a median 1.62% of their home's value in property tax each year ($4,488 on the typical home), versus 1.32% statewide.
Mortgage on the typical Harris County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $55,305 | $221,220 | $1,488 | $0 | $512 | $2,000 | $85,700 |
| 10% down | $27,652 | $248,872 | $1,674 | $104 | $512 | $2,290 | $98,100 |
| 5% down | $13,826 | $262,698 | $1,767 | $109 | $512 | $2,389 | $102,400 |
| 3.5% down (FHA) | $9,678 | $271,516 | $1,827 | $122 | $512 | $2,461 | $105,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.62% 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 |
|---|---|---|---|
| Van Zandt County | $276,416 | -0.1% | 1.03% |
| Glasscock County | $275,886 | +5.8% | 0.55% |
| Walker County | $274,264 | +0.3% | 1.18% |
| Madison County | $278,799 | -1.9% | 0.98% |
| Real County | $279,435 | -1.1% | 1.07% |
| Caldwell County | $280,021 | -5.1% | 1.35% |
| Grayson County | $280,311 | -4.6% | 1.27% |
| Hunt County | $271,566 | -2.3% | 1.24% |
| Robertson County | $270,893 | +2.7% | 1.01% |
| Fannin County | $282,735 | -1.3% | 1.08% |
Frequently asked questions
What is the average home price in Harris County, TX?
The typical home value in Harris County is $276,524 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Harris County?
About $85,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Harris County?
The median effective rate is 1.62% of home value a year (Census ACS 2024 5-year estimates).