Houston County, Texas home prices
Typical home $203,663 · +0.4% in a year · property tax 0.84%
The typical home in Houston County is worth $203,663, 31% less than the Texas typical home ($296,424). Values changed +0.4% in the past year and -14.4% over five years. Homeowners here pay a median 0.84% of their home's value in property tax each year ($1,713 on the typical home), versus 1.32% statewide.
Mortgage on the typical Houston County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $40,733 | $162,930 | $1,096 | $0 | $245 | $1,341 | $57,500 |
| 10% down | $20,366 | $183,296 | $1,233 | $76 | $245 | $1,554 | $66,600 |
| 5% down | $10,183 | $193,480 | $1,302 | $81 | $245 | $1,627 | $69,700 |
| 3.5% down (FHA) | $7,128 | $199,974 | $1,345 | $90 | $245 | $1,680 | $72,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.84% 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 |
|---|---|---|---|
| Calhoun County | $204,106 | +1.5% | 1.26% |
| Cameron County | $204,554 | +1.3% | 1.5% |
| Val Verde County | $204,781 | -4.3% | 1.43% |
| Brewster County | $204,943 | -4.8% | 1.13% |
| Jeff Davis County | $205,283 | -0.5% | 0.6% |
| Delta County | $201,862 | +0.1% | 0.95% |
| Lamar County | $201,796 | +1.3% | 0.87% |
| Menard County | $201,702 | +6.3% | 1.95% |
| Matagorda County | $205,845 | +0.7% | 1.35% |
| Sabine County | $201,342 | +3.1% | 0.82% |
Frequently asked questions
What is the average home price in Houston County, TX?
The typical home value in Houston County is $203,663 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Houston County?
About $57,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Houston County?
The median effective rate is 0.84% of home value a year (Census ACS 2024 5-year estimates).