Henderson County, Texas home prices
Typical home $267,629 · -1.5% in a year · property tax 0.94%
The typical home in Henderson County is worth $267,629, 10% less than the Texas typical home ($296,424). Values changed -1.5% in the past year and +5.3% over five years. Homeowners here pay a median 0.94% of their home's value in property tax each year ($2,522 on the typical home), versus 1.32% statewide.
Mortgage on the typical Henderson County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $53,526 | $214,103 | $1,440 | $0 | $344 | $1,784 | $76,500 |
| 10% down | $26,763 | $240,866 | $1,620 | $100 | $344 | $2,065 | $88,500 |
| 5% down | $13,381 | $254,248 | $1,710 | $106 | $344 | $2,160 | $92,600 |
| 3.5% down (FHA) | $9,367 | $262,782 | $1,768 | $118 | $344 | $2,230 | $95,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.94% 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 Athens metro area.
Texas counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Smith County | $267,840 | -0.3% | 1.16% |
| Goliad County | $268,136 | +3.2% | 0.94% |
| Burleson County | $265,577 | -0.5% | 0.95% |
| Wood County | $270,056 | -1.8% | 0.88% |
| Hamilton County | $264,504 | +0.8% | 1.26% |
| Robertson County | $270,893 | +2.7% | 1.01% |
| Andrews County | $263,891 | +6.9% | 1.28% |
| Hunt County | $271,566 | -2.3% | 1.24% |
| Milam County | $263,672 | +1.1% | 0.99% |
| Randall County | $261,974 | +4.1% | 1.51% |
Frequently asked questions
What is the average home price in Henderson County, TX?
The typical home value in Henderson County is $267,629 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Henderson County?
About $76,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Henderson County?
The median effective rate is 0.94% of home value a year (Census ACS 2024 5-year estimates).