Karnes County, Texas home prices
Typical home $207,861 · -1.0% in a year · property tax 0.93%
The typical home in Karnes County is worth $207,861, 30% less than the Texas typical home ($296,424). Values changed -1.0% in the past year and -27.7% over five years. Homeowners here pay a median 0.93% of their home's value in property tax each year ($1,942 on the typical home), versus 1.32% statewide.
Mortgage on the typical Karnes County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $41,572 | $166,289 | $1,119 | $0 | $266 | $1,384 | $59,300 |
| 10% down | $20,786 | $187,075 | $1,258 | $78 | $266 | $1,602 | $68,700 |
| 5% down | $10,393 | $197,468 | $1,328 | $82 | $266 | $1,676 | $71,800 |
| 3.5% down (FHA) | $7,275 | $204,096 | $1,373 | $92 | $266 | $1,731 | $74,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.93% 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 |
|---|---|---|---|
| Harrison County | $207,787 | +0.9% | 0.97% |
| San Saba County | $208,410 | -0.6% | 0.9% |
| Jackson County | $206,297 | -1.6% | 1.02% |
| Lynn County | $209,459 | +7.9% | 1.77% |
| Camp County | $209,609 | -0.1% | 1.1% |
| San Patricio County | $206,055 | +1.2% | 1.49% |
| Matagorda County | $205,845 | +0.7% | 1.35% |
| Live Oak County | $210,224 | -2.2% | 0.96% |
| Jeff Davis County | $205,283 | -0.5% | 0.6% |
| Brewster County | $204,943 | -4.8% | 1.13% |
Frequently asked questions
What is the average home price in Karnes County, TX?
The typical home value in Karnes County is $207,861 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Karnes County?
About $59,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Karnes County?
The median effective rate is 0.93% of home value a year (Census ACS 2024 5-year estimates).