McCulloch County, Texas home prices
Typical home $161,246 · +8.0% in a year · property tax 0.99%
The typical home in McCulloch County is worth $161,246, 46% less than the Texas typical home ($296,424). Values changed +8.0% in the past year and +2.7% over five years. Homeowners here pay a median 0.99% of their home's value in property tax each year ($1,601 on the typical home), versus 1.32% statewide.
Mortgage on the typical McCulloch County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $32,249 | $128,997 | $868 | $0 | $214 | $1,082 | $46,400 |
| 10% down | $16,125 | $145,121 | $976 | $60 | $214 | $1,251 | $53,600 |
| 5% down | $8,062 | $153,183 | $1,030 | $64 | $214 | $1,308 | $56,100 |
| 3.5% down (FHA) | $5,644 | $158,325 | $1,065 | $71 | $214 | $1,350 | $57,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.99% 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 |
|---|---|---|---|
| Shackelford County | $161,294 | +1.4% | 1.15% |
| Briscoe County | $161,037 | +12.9% | 1.09% |
| Reagan County | $160,753 | -11.6% | 0.92% |
| Cass County | $161,748 | -0.9% | 0.94% |
| Morris County | $159,064 | -2.1% | 1.1% |
| Bee County | $158,126 | -2.4% | 1.45% |
| Jones County | $157,714 | +9.6% | 1.59% |
| Sherman County | $164,797 | +6.6% | 1.72% |
| Hockley County | $165,559 | +1.3% | 1.39% |
| Frio County | $166,174 | +1.4% | 1.55% |
Frequently asked questions
What is the average home price in McCulloch County, TX?
The typical home value in McCulloch County is $161,246 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in McCulloch County?
About $46,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in McCulloch County?
The median effective rate is 0.99% of home value a year (Census ACS 2024 5-year estimates).