Shelby County, Texas home prices
Typical home $219,980 · -4.8% in a year · property tax 1.01%
The typical home in Shelby County is worth $219,980, 26% less than the Texas typical home ($296,424). Values changed -4.8% in the past year and -13.4% over five years. Homeowners here pay a median 1.01% of their home's value in property tax each year ($2,219 on the typical home), versus 1.32% statewide.
Mortgage on the typical Shelby County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $43,996 | $175,984 | $1,184 | $0 | $295 | $1,479 | $63,400 |
| 10% down | $21,998 | $197,982 | $1,332 | $82 | $295 | $1,709 | $73,300 |
| 5% down | $10,999 | $208,981 | $1,406 | $87 | $295 | $1,788 | $76,600 |
| 3.5% down (FHA) | $7,699 | $215,995 | $1,453 | $97 | $295 | $1,845 | $79,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.01% 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 |
|---|---|---|---|
| Presidio County | $221,257 | -0.0% | 1.24% |
| Gregg County | $221,780 | +0.3% | 1.16% |
| Callahan County | $221,876 | +8.3% | 0.91% |
| Nacogdoches County | $223,276 | +5.0% | 0.83% |
| Victoria County | $216,406 | +1.3% | 1.46% |
| Anderson County | $215,774 | +4.0% | 0.92% |
| Coryell County | $224,581 | +0.7% | 1.36% |
| Maverick County | $215,361 | -5.6% | 1.25% |
| Webb County | $215,260 | +2.0% | 1.8% |
| De Witt County | $215,233 | -2.2% | 0.86% |
Frequently asked questions
What is the average home price in Shelby County, TX?
The typical home value in Shelby County is $219,980 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Shelby County?
About $63,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Shelby County?
The median effective rate is 1.01% of home value a year (Census ACS 2024 5-year estimates).