Lubbock County, Texas home prices
Typical home $214,560 · +2.5% in a year · property tax 1.51%
The typical home in Lubbock County is worth $214,560, 28% less than the Texas typical home ($296,424). Values changed +2.5% in the past year and +13.5% over five years. Homeowners here pay a median 1.51% of their home's value in property tax each year ($3,248 on the typical home), versus 1.32% statewide.
Mortgage on the typical Lubbock County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $42,912 | $171,648 | $1,155 | $0 | $378 | $1,533 | $65,700 |
| 10% down | $21,456 | $193,104 | $1,299 | $80 | $378 | $1,757 | $75,300 |
| 5% down | $10,728 | $203,832 | $1,371 | $85 | $378 | $1,834 | $78,600 |
| 3.5% down (FHA) | $7,510 | $210,673 | $1,417 | $95 | $378 | $1,890 | $81,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.51% 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 Lubbock metro area.
Texas counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| De Witt County | $215,233 | -2.2% | 0.86% |
| Webb County | $215,260 | +2.0% | 1.8% |
| Maverick County | $215,361 | -5.6% | 1.25% |
| Anderson County | $215,774 | +4.0% | 0.92% |
| Victoria County | $216,406 | +1.3% | 1.46% |
| Rusk County | $211,254 | +4.7% | 1.05% |
| Live Oak County | $210,224 | -2.2% | 0.96% |
| Camp County | $209,609 | -0.1% | 1.1% |
| Lynn County | $209,459 | +7.9% | 1.77% |
| Shelby County | $219,980 | -4.8% | 1.01% |
Frequently asked questions
What is the average home price in Lubbock County, TX?
The typical home value in Lubbock County is $214,560 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Lubbock County?
About $65,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Lubbock County?
The median effective rate is 1.51% of home value a year (Census ACS 2024 5-year estimates).