Wharton County, Texas home prices
Typical home $242,430 · +1.9% in a year · property tax 1.52%
The typical home in Wharton County is worth $242,430, 18% less than the Texas typical home ($296,424). Values changed +1.9% in the past year and +5.2% over five years. Homeowners here pay a median 1.52% of their home's value in property tax each year ($3,678 on the typical home), versus 1.32% statewide.
Mortgage on the typical Wharton County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $48,486 | $193,944 | $1,305 | $0 | $428 | $1,732 | $74,200 |
| 10% down | $24,243 | $218,187 | $1,468 | $91 | $428 | $1,986 | $85,100 |
| 5% down | $12,121 | $230,308 | $1,549 | $96 | $428 | $2,073 | $88,800 |
| 3.5% down (FHA) | $8,485 | $238,039 | $1,601 | $107 | $428 | $2,136 | $91,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.52% 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 El Campo metro area.
Texas counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Atascosa County | $242,697 | +0.6% | 1.29% |
| Bosque County | $240,511 | +0.7% | 0.98% |
| Gaines County | $240,166 | +2.4% | 1.57% |
| Armstrong County | $245,373 | +9.5% | 1.23% |
| San Jacinto County | $239,361 | -3.4% | 0.99% |
| Archer County | $239,118 | +5.4% | 1.21% |
| Bell County | $247,929 | -1.9% | 1.44% |
| Upshur County | $235,784 | +1.2% | 1.19% |
| Comanche County | $235,551 | +6.1% | 1.35% |
| Bexar County | $250,969 | -2.3% | 1.73% |
Frequently asked questions
What is the average home price in Wharton County, TX?
The typical home value in Wharton County is $242,430 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Wharton County?
About $74,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Wharton County?
The median effective rate is 1.52% of home value a year (Census ACS 2024 5-year estimates).