Matagorda County, Texas home prices
Typical home $205,845 · +0.7% in a year · property tax 1.35%
The typical home in Matagorda County is worth $205,845, 31% less than the Texas typical home ($296,424). Values changed +0.7% in the past year and +11.5% over five years. Homeowners here pay a median 1.35% of their home's value in property tax each year ($2,772 on the typical home), versus 1.32% statewide.
Mortgage on the typical Matagorda County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $41,169 | $164,676 | $1,108 | $0 | $334 | $1,442 | $61,800 |
| 10% down | $20,585 | $185,261 | $1,246 | $77 | $334 | $1,657 | $71,000 |
| 5% down | $10,292 | $195,553 | $1,315 | $81 | $334 | $1,731 | $74,200 |
| 3.5% down (FHA) | $7,205 | $202,117 | $1,360 | $91 | $334 | $1,785 | $76,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.35% 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 Bay City metro area.
Texas counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| San Patricio County | $206,055 | +1.2% | 1.49% |
| Jackson County | $206,297 | -1.6% | 1.02% |
| Jeff Davis County | $205,283 | -0.5% | 0.6% |
| Brewster County | $204,943 | -4.8% | 1.13% |
| Val Verde County | $204,781 | -4.3% | 1.43% |
| Cameron County | $204,554 | +1.3% | 1.5% |
| Calhoun County | $204,106 | +1.5% | 1.26% |
| Harrison County | $207,787 | +0.9% | 0.97% |
| Karnes County | $207,861 | -1.0% | 0.93% |
| Houston County | $203,663 | +0.4% | 0.84% |
Frequently asked questions
What is the average home price in Matagorda County, TX?
The typical home value in Matagorda County is $205,845 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Matagorda County?
About $61,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Matagorda County?
The median effective rate is 1.35% of home value a year (Census ACS 2024 5-year estimates).