Hartley County, Texas home prices
Typical home $261,373 · +7.7% in a year · property tax 1.01%
The typical home in Hartley County is worth $261,373, 12% less than the Texas typical home ($296,424). Values changed +7.7% in the past year and +17.7% over five years. Homeowners here pay a median 1.01% of their home's value in property tax each year ($2,634 on the typical home), versus 1.32% statewide.
Mortgage on the typical Hartley County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $52,275 | $209,098 | $1,407 | $0 | $350 | $1,757 | $75,300 |
| 10% down | $26,137 | $235,235 | $1,582 | $98 | $350 | $2,031 | $87,000 |
| 5% down | $13,069 | $248,304 | $1,670 | $103 | $350 | $2,124 | $91,000 |
| 3.5% down (FHA) | $9,148 | $256,639 | $1,726 | $116 | $350 | $2,192 | $94,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.01% 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 |
|---|---|---|---|
| Randall County | $261,974 | +4.1% | 1.51% |
| Montague County | $260,206 | -2.0% | 0.92% |
| Milam County | $263,672 | +1.1% | 0.99% |
| Andrews County | $263,891 | +6.9% | 1.28% |
| Hamilton County | $264,504 | +0.8% | 1.26% |
| McLennan County | $257,622 | +0.4% | 1.42% |
| Burleson County | $265,577 | -0.5% | 0.95% |
| Hopkins County | $255,721 | -3.2% | 1% |
| Henderson County | $267,629 | -1.5% | 0.94% |
| Smith County | $267,840 | -0.3% | 1.16% |
Frequently asked questions
What is the average home price in Hartley County, TX?
The typical home value in Hartley County is $261,373 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Hartley County?
About $75,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Hartley County?
The median effective rate is 1.01% of home value a year (Census ACS 2024 5-year estimates).