Sterling County, Texas home prices
Typical home $176,839 · -2.8% in a year · property tax 1.29%
The typical home in Sterling County is worth $176,839, 40% less than the Texas typical home ($296,424). Values changed -2.8% in the past year and — over five years. Homeowners here pay a median 1.29% of their home's value in property tax each year ($2,278 on the typical home), versus 1.32% statewide.
Mortgage on the typical Sterling County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $35,368 | $141,471 | $952 | $0 | $278 | $1,230 | $52,700 |
| 10% down | $17,684 | $159,155 | $1,071 | $66 | $278 | $1,415 | $60,700 |
| 5% down | $8,842 | $167,997 | $1,130 | $70 | $278 | $1,478 | $63,400 |
| 3.5% down (FHA) | $6,189 | $173,636 | $1,168 | $78 | $278 | $1,525 | $65,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.29% 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 · part of the San Angelo metro area.
Texas counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Jefferson County | $176,616 | +4.1% | 1.53% |
| Reeves County | $178,752 | +5.0% | 1.08% |
| Polk County | $174,922 | -4.6% | 0.9% |
| Limestone County | $174,480 | -2.1% | 1.19% |
| Parmer County | $173,393 | +10.7% | 1.28% |
| Willacy County | $173,352 | -3.2% | 1.68% |
| Tyler County | $172,727 | +2.4% | 0.89% |
| Young County | $180,983 | -1.4% | 1.11% |
| Deaf Smith County | $172,414 | -1.8% | 1.48% |
| Hemphill County | $171,727 | +11.7% | 1.16% |
Frequently asked questions
What is the average home price in Sterling County, TX?
The typical home value in Sterling County is $176,839 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Sterling County?
About $52,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Sterling County?
The median effective rate is 1.29% of home value a year (Census ACS 2024 5-year estimates).