Hopkins County, Texas home prices
Typical home $255,721 · -3.2% in a year · property tax 1%
The typical home in Hopkins County is worth $255,721, 14% less than the Texas typical home ($296,424). Values changed -3.2% in the past year and -3.5% over five years. Homeowners here pay a median 1% of their home's value in property tax each year ($2,569 on the typical home), versus 1.32% statewide.
Mortgage on the typical Hopkins County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $51,144 | $204,577 | $1,376 | $0 | $342 | $1,718 | $73,600 |
| 10% down | $25,572 | $230,149 | $1,548 | $96 | $342 | $1,986 | $85,100 |
| 5% down | $12,786 | $242,935 | $1,634 | $101 | $342 | $2,077 | $89,000 |
| 3.5% down (FHA) | $8,950 | $251,089 | $1,689 | $113 | $342 | $2,144 | $91,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1% 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 Sulphur Springs metro area.
Texas counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| McLennan County | $257,622 | +0.4% | 1.42% |
| Gonzales County | $253,175 | -6.2% | 1.31% |
| Irion County | $252,990 | -6.3% | 0.7% |
| Ector County | $252,414 | +3.8% | 1.27% |
| Martin County | $251,649 | +1.8% | 0.91% |
| Montague County | $260,206 | -2.0% | 0.92% |
| Bexar County | $250,969 | -2.3% | 1.73% |
| Hartley County | $261,373 | +7.7% | 1.01% |
| Randall County | $261,974 | +4.1% | 1.51% |
| Bell County | $247,929 | -1.9% | 1.44% |
Frequently asked questions
What is the average home price in Hopkins County, TX?
The typical home value in Hopkins County is $255,721 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Hopkins County?
About $73,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Hopkins County?
The median effective rate is 1% of home value a year (Census ACS 2024 5-year estimates).