Terry County, Texas home prices
Typical home $121,439 · -1.4% in a year · property tax 1.69%
The typical home in Terry County is worth $121,439, 59% less than the Texas typical home ($296,424). Values changed -1.4% in the past year and -23.4% over five years. Homeowners here pay a median 1.69% of their home's value in property tax each year ($2,050 on the typical home), versus 1.32% statewide.
Mortgage on the typical Terry County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $24,288 | $97,151 | $654 | $0 | $232 | $885 | $37,900 |
| 10% down | $12,144 | $109,295 | $735 | $46 | $232 | $1,012 | $43,400 |
| 5% down | $6,072 | $115,367 | $776 | $48 | $232 | $1,056 | $45,200 |
| 3.5% down (FHA) | $4,250 | $119,240 | $802 | $54 | $232 | $1,087 | $46,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.69% 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 |
|---|---|---|---|
| Garza County | $121,629 | +2.0% | 1.57% |
| Zapata County | $121,665 | -5.8% | 0.95% |
| La Salle County | $120,225 | -8.5% | 1.47% |
| Nolan County | $120,201 | +7.7% | 1.53% |
| Upton County | $120,180 | +6.4% | 1.08% |
| Hale County | $119,100 | -3.4% | 1.31% |
| Motley County | $118,731 | +9.1% | 1.03% |
| Hutchinson County | $118,561 | +2.1% | 1.35% |
| Kinney County | $118,224 | +0.2% | 1.41% |
| Lipscomb County | $118,196 | +2.7% | 1.41% |
Frequently asked questions
What is the average home price in Terry County, TX?
The typical home value in Terry County is $121,439 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Terry County?
About $37,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Terry County?
The median effective rate is 1.69% of home value a year (Census ACS 2024 5-year estimates).