Mills County, Texas home prices
Typical home $364,056 · +5.7% in a year · property tax 0.78%
The typical home in Mills County is worth $364,056, 23% more than the Texas typical home ($296,424). Values changed +5.7% in the past year and +1.8% over five years. Homeowners here pay a median 0.78% of their home's value in property tax each year ($2,832 on the typical home), versus 1.32% statewide.
Mortgage on the typical Mills County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $72,811 | $291,244 | $1,959 | $0 | $418 | $2,377 | $101,900 |
| 10% down | $36,406 | $327,650 | $2,204 | $137 | $418 | $2,759 | $118,200 |
| 5% down | $18,203 | $345,853 | $2,327 | $144 | $418 | $2,889 | $123,800 |
| 3.5% down (FHA) | $12,742 | $357,462 | $2,405 | $161 | $418 | $2,984 | $127,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.78% 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 |
|---|---|---|---|
| Washington County | $363,966 | +0.2% | 1.09% |
| Hays County | $366,672 | -3.4% | 1.66% |
| Kerr County | $367,529 | -1.9% | 0.97% |
| Waller County | $358,663 | -1.8% | 1.27% |
| Wise County | $370,072 | -0.3% | 1.14% |
| Ellis County | $370,493 | -0.8% | 1.35% |
| Fort Bend County | $374,185 | -2.1% | 1.86% |
| Lee County | $351,670 | -0.0% | 0.96% |
| Bastrop County | $351,578 | -4.6% | 1.41% |
| Grimes County | $350,588 | -1.8% | 1.02% |
Frequently asked questions
What is the average home price in Mills County, TX?
The typical home value in Mills County is $364,056 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Mills County?
About $101,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Mills County?
The median effective rate is 0.78% of home value a year (Census ACS 2024 5-year estimates).