Upshur County, Texas home prices
Typical home $235,784 · +1.2% in a year · property tax 1.19%
The typical home in Upshur County is worth $235,784, 20% less than the Texas typical home ($296,424). Values changed +1.2% in the past year and +15.4% over five years. Homeowners here pay a median 1.19% of their home's value in property tax each year ($2,800 on the typical home), versus 1.32% statewide.
Mortgage on the typical Upshur County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $47,157 | $188,627 | $1,269 | $0 | $351 | $1,620 | $69,400 |
| 10% down | $23,578 | $212,206 | $1,428 | $88 | $351 | $1,867 | $80,000 |
| 5% down | $11,789 | $223,995 | $1,507 | $93 | $351 | $1,951 | $83,600 |
| 3.5% down (FHA) | $8,252 | $231,514 | $1,557 | $104 | $351 | $2,013 | $86,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.19% 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 Longview metro area.
Texas counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Comanche County | $235,551 | +6.1% | 1.35% |
| Cherokee County | $233,774 | -1.0% | 1.16% |
| Liberty County | $233,304 | -3.2% | 1.17% |
| El Paso County | $233,084 | +2.5% | 2.03% |
| Archer County | $239,118 | +5.4% | 1.21% |
| San Jacinto County | $239,361 | -3.4% | 0.99% |
| Gaines County | $240,166 | +2.4% | 1.57% |
| Bosque County | $240,511 | +0.7% | 0.98% |
| Hardin County | $230,858 | +2.2% | 1.09% |
| Wharton County | $242,430 | +1.9% | 1.52% |
Frequently asked questions
What is the average home price in Upshur County, TX?
The typical home value in Upshur County is $235,784 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Upshur County?
About $69,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Upshur County?
The median effective rate is 1.19% of home value a year (Census ACS 2024 5-year estimates).