Howard County, Texas home prices
Typical home $142,857 · +4.8% in a year · property tax 0.95%
The typical home in Howard County is worth $142,857, 52% less than the Texas typical home ($296,424). Values changed +4.8% in the past year and -15.1% over five years. Homeowners here pay a median 0.95% of their home's value in property tax each year ($1,359 on the typical home), versus 1.32% statewide.
Mortgage on the typical Howard County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $28,571 | $114,285 | $769 | $0 | $185 | $953 | $40,900 |
| 10% down | $14,286 | $128,571 | $865 | $54 | $185 | $1,103 | $47,300 |
| 5% down | $7,143 | $135,714 | $913 | $57 | $185 | $1,154 | $49,500 |
| 3.5% down (FHA) | $5,000 | $140,269 | $944 | $63 | $185 | $1,191 | $51,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.95% 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 Big Spring metro area.
Texas counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Winkler County | $142,604 | +14.1% | 0.76% |
| Bailey County | $142,242 | -2.0% | 1.52% |
| Coleman County | $141,747 | +8.1% | 1.35% |
| Starr County | $144,023 | +1.6% | 1.14% |
| Scurry County | $144,049 | +2.9% | 1.27% |
| Falls County | $141,228 | -3.1% | 1.37% |
| Sutton County | $140,701 | -4.4% | 1.22% |
| Kleberg County | $145,523 | -1.1% | 1.47% |
| Throckmorton County | $139,924 | -12.3% | 1.28% |
| Marion County | $146,312 | -1.5% | 0.74% |
Frequently asked questions
What is the average home price in Howard County, TX?
The typical home value in Howard County is $142,857 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Howard County?
About $40,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Howard County?
The median effective rate is 0.95% of home value a year (Census ACS 2024 5-year estimates).