Rains County, Texas home prices
Typical home $290,163 · +2.6% in a year · property tax 1.02%
The typical home in Rains County is worth $290,163, 2% less than the Texas typical home ($296,424). Values changed +2.6% in the past year and +13.6% over five years. Homeowners here pay a median 1.02% of their home's value in property tax each year ($2,958 on the typical home), versus 1.32% statewide.
Mortgage on the typical Rains County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $58,033 | $232,131 | $1,562 | $0 | $392 | $1,953 | $83,700 |
| 10% down | $29,016 | $261,147 | $1,757 | $109 | $392 | $2,257 | $96,700 |
| 5% down | $14,508 | $275,655 | $1,854 | $115 | $392 | $2,361 | $101,200 |
| 3.5% down (FHA) | $10,156 | $284,908 | $1,917 | $128 | $392 | $2,437 | $104,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.02% 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 |
|---|---|---|---|
| Lavaca County | $289,905 | +1.4% | 0.89% |
| Colorado County | $291,555 | -3.7% | 1.05% |
| Kaufman County | $292,707 | -3.8% | 1.68% |
| Guadalupe County | $293,039 | -1.8% | 1.43% |
| Aransas County | $296,412 | -4.8% | 1.02% |
| Palo Pinto County | $283,776 | +0.4% | 1.11% |
| Fannin County | $282,735 | -1.3% | 1.08% |
| Grayson County | $280,311 | -4.6% | 1.27% |
| Caldwell County | $280,021 | -5.1% | 1.35% |
| Real County | $279,435 | -1.1% | 1.07% |
Frequently asked questions
What is the average home price in Rains County, TX?
The typical home value in Rains County is $290,163 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Rains County?
About $83,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Rains County?
The median effective rate is 1.02% of home value a year (Census ACS 2024 5-year estimates).