Polk County, Texas home prices
Typical home $174,922 · -4.6% in a year · property tax 0.9%
The typical home in Polk County is worth $174,922, 41% less than the Texas typical home ($296,424). Values changed -4.6% in the past year and +1.9% over five years. Homeowners here pay a median 0.9% of their home's value in property tax each year ($1,572 on the typical home), versus 1.32% statewide.
Mortgage on the typical Polk County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $34,984 | $139,938 | $941 | $0 | $218 | $1,160 | $49,700 |
| 10% down | $17,492 | $157,430 | $1,059 | $66 | $218 | $1,343 | $57,600 |
| 5% down | $8,746 | $166,176 | $1,118 | $69 | $218 | $1,406 | $60,200 |
| 3.5% down (FHA) | $6,122 | $171,754 | $1,155 | $77 | $218 | $1,451 | $62,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.9% 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 |
|---|---|---|---|
| Limestone County | $174,480 | -2.1% | 1.19% |
| Parmer County | $173,393 | +10.7% | 1.28% |
| Willacy County | $173,352 | -3.2% | 1.68% |
| Jefferson County | $176,616 | +4.1% | 1.53% |
| Sterling County | $176,839 | -2.8% | 1.29% |
| Tyler County | $172,727 | +2.4% | 0.89% |
| Deaf Smith County | $172,414 | -1.8% | 1.48% |
| Hemphill County | $171,727 | +11.7% | 1.16% |
| Reeves County | $178,752 | +5.0% | 1.08% |
| Red River County | $170,667 | +10.4% | 1.01% |
Frequently asked questions
What is the average home price in Polk County, TX?
The typical home value in Polk County is $174,922 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Polk County?
About $49,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Polk County?
The median effective rate is 0.9% of home value a year (Census ACS 2024 5-year estimates).