Somervell County, Texas home prices
Typical home $408,550 · +1.1% in a year · property tax 0.91%
The typical home in Somervell County is worth $408,550, 38% more than the Texas typical home ($296,424). Values changed +1.1% in the past year and +22.3% over five years. Homeowners here pay a median 0.91% of their home's value in property tax each year ($3,717 on the typical home), versus 1.32% statewide.
Mortgage on the typical Somervell County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $81,710 | $326,840 | $2,199 | $0 | $514 | $2,713 | $116,300 |
| 10% down | $40,855 | $367,695 | $2,474 | $153 | $514 | $3,141 | $134,600 |
| 5% down | $20,427 | $388,122 | $2,611 | $162 | $514 | $3,287 | $140,900 |
| 3.5% down (FHA) | $14,299 | $401,150 | $2,699 | $181 | $514 | $3,393 | $145,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.91% 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 |
|---|---|---|---|
| Rockwall County | $409,262 | -2.3% | 1.54% |
| Burnet County | $419,257 | -2.4% | 1.06% |
| Austin County | $420,802 | +0.2% | 1.16% |
| Wilson County | $395,462 | -0.2% | 1.22% |
| Williamson County | $394,699 | -4.8% | 1.61% |
| Comal County | $431,172 | -1.0% | 1.13% |
| Denton County | $432,421 | -2.9% | 1.61% |
| Fayette County | $437,101 | -3.6% | 0.89% |
| Hood County | $379,202 | +0.2% | 1.05% |
| Fort Bend County | $374,185 | -2.1% | 1.86% |
Frequently asked questions
What is the average home price in Somervell County, TX?
The typical home value in Somervell County is $408,550 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Somervell County?
About $116,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Somervell County?
The median effective rate is 0.91% of home value a year (Census ACS 2024 5-year estimates).