Stephens County, Texas home prices
Typical home $154,661 · +0.7% in a year · property tax 1.48%
The typical home in Stephens County is worth $154,661, 48% less than the Texas typical home ($296,424). Values changed +0.7% in the past year and -13.0% over five years. Homeowners here pay a median 1.48% of their home's value in property tax each year ($2,292 on the typical home), versus 1.32% statewide.
Mortgage on the typical Stephens County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $30,932 | $123,728 | $832 | $0 | $268 | $1,101 | $47,200 |
| 10% down | $15,466 | $139,195 | $936 | $58 | $268 | $1,263 | $54,100 |
| 5% down | $7,733 | $146,928 | $988 | $61 | $268 | $1,318 | $56,500 |
| 3.5% down (FHA) | $5,413 | $151,859 | $1,022 | $68 | $268 | $1,358 | $58,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.48% 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 |
|---|---|---|---|
| Dallam County | $154,785 | +5.0% | 1.15% |
| Culberson County | $154,316 | +13.8% | 0.97% |
| Newton County | $155,255 | +7.3% | 0.82% |
| Pecos County | $153,302 | -1.1% | 1.03% |
| Jones County | $157,714 | +9.6% | 1.59% |
| Bee County | $158,126 | -2.4% | 1.45% |
| Morris County | $159,064 | -2.1% | 1.1% |
| Eastland County | $148,997 | +0.6% | 1.08% |
| Reagan County | $160,753 | -11.6% | 0.92% |
| Concho County | $148,501 | -1.0% | 1.68% |
Frequently asked questions
What is the average home price in Stephens County, TX?
The typical home value in Stephens County is $154,661 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Stephens County?
About $47,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Stephens County?
The median effective rate is 1.48% of home value a year (Census ACS 2024 5-year estimates).