Ward County, Texas home prices
Typical home $185,065 · -0.7% in a year · property tax 0.64%
The typical home in Ward County is worth $185,065, 38% less than the Texas typical home ($296,424). Values changed -0.7% in the past year and -25.6% over five years. Homeowners here pay a median 0.64% of their home's value in property tax each year ($1,185 on the typical home), versus 1.32% statewide.
Mortgage on the typical Ward County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $37,013 | $148,052 | $996 | $0 | $191 | $1,187 | $50,900 |
| 10% down | $18,506 | $166,558 | $1,120 | $69 | $191 | $1,381 | $59,200 |
| 5% down | $9,253 | $175,812 | $1,183 | $73 | $191 | $1,447 | $62,000 |
| 3.5% down (FHA) | $6,477 | $181,713 | $1,222 | $82 | $191 | $1,496 | $64,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.64% 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 |
|---|---|---|---|
| Uvalde County | $185,698 | -6.6% | 1.44% |
| Jasper County | $185,799 | -3.5% | 0.97% |
| Yoakum County | $183,995 | -4.6% | 0.94% |
| Brown County | $186,630 | -0.1% | 1.11% |
| Moore County | $187,666 | +4.0% | 1.3% |
| Orange County | $188,637 | +3.5% | 1.24% |
| Hidalgo County | $188,974 | -0.4% | 1.62% |
| Young County | $180,983 | -1.4% | 1.11% |
| Reeves County | $178,752 | +5.0% | 1.08% |
| Sterling County | $176,839 | -2.8% | 1.29% |
Frequently asked questions
What is the average home price in Ward County, TX?
The typical home value in Ward County is $185,065 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Ward County?
About $50,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Ward County?
The median effective rate is 0.64% of home value a year (Census ACS 2024 5-year estimates).