Montgomery County, Texas home prices
Typical home $340,504 · -1.4% in a year · property tax 1.52%
The typical home in Montgomery County is worth $340,504, 15% more than the Texas typical home ($296,424). Values changed -1.4% in the past year and +12.7% over five years. Homeowners here pay a median 1.52% of their home's value in property tax each year ($5,181 on the typical home), versus 1.32% statewide.
Mortgage on the typical Montgomery County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $68,101 | $272,403 | $1,832 | $0 | $602 | $2,435 | $104,300 |
| 10% down | $34,050 | $306,454 | $2,062 | $128 | $602 | $2,791 | $119,600 |
| 5% down | $17,025 | $323,479 | $2,176 | $135 | $602 | $2,913 | $124,800 |
| 3.5% down (FHA) | $11,918 | $334,337 | $2,249 | $151 | $602 | $3,002 | $128,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.52% 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 Houston metro area.
Texas counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Erath County | $338,569 | -0.2% | 1.07% |
| Mason County | $344,398 | -0.5% | 0.84% |
| Kimble County | $344,722 | +5.6% | 1.27% |
| Johnson County | $336,224 | -1.1% | 1.24% |
| Chambers County | $348,474 | +0.4% | 1.05% |
| Grimes County | $350,588 | -1.8% | 1.02% |
| Midland County | $329,884 | +1.7% | 1.23% |
| Bastrop County | $351,578 | -4.6% | 1.41% |
| Lee County | $351,670 | -0.0% | 0.96% |
| Bandera County | $328,128 | -2.5% | 0.88% |
Frequently asked questions
What is the average home price in Montgomery County, TX?
The typical home value in Montgomery County is $340,504 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Montgomery County?
About $104,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Montgomery County?
The median effective rate is 1.52% of home value a year (Census ACS 2024 5-year estimates).