Nacogdoches County, Texas home prices
Typical home $223,276 · +5.0% in a year · property tax 0.83%
The typical home in Nacogdoches County is worth $223,276, 25% less than the Texas typical home ($296,424). Values changed +5.0% in the past year and +18.3% over five years. Homeowners here pay a median 0.83% of their home's value in property tax each year ($1,846 on the typical home), versus 1.32% statewide.
Mortgage on the typical Nacogdoches County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $44,655 | $178,621 | $1,202 | $0 | $265 | $1,467 | $62,900 |
| 10% down | $22,328 | $200,948 | $1,352 | $84 | $265 | $1,701 | $72,900 |
| 5% down | $11,164 | $212,112 | $1,427 | $88 | $265 | $1,781 | $76,300 |
| 3.5% down (FHA) | $7,815 | $219,232 | $1,475 | $99 | $265 | $1,839 | $78,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.83% 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 Nacogdoches metro area.
Texas counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Coryell County | $224,581 | +0.7% | 1.36% |
| Callahan County | $221,876 | +8.3% | 0.91% |
| Gregg County | $221,780 | +0.3% | 1.16% |
| Nueces County | $225,135 | +0.6% | 1.59% |
| Presidio County | $221,257 | -0.0% | 1.24% |
| Titus County | $225,677 | -1.5% | 1.2% |
| Shelby County | $219,980 | -4.8% | 1.01% |
| Tom Green County | $227,293 | -4.6% | 1.29% |
| Freestone County | $227,480 | -2.3% | 0.94% |
| Navarro County | $227,542 | +1.7% | 1.2% |
Frequently asked questions
What is the average home price in Nacogdoches County, TX?
The typical home value in Nacogdoches County is $223,276 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Nacogdoches County?
About $62,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Nacogdoches County?
The median effective rate is 0.83% of home value a year (Census ACS 2024 5-year estimates).