Wise County, Texas home prices
Typical home $370,072 · -0.3% in a year · property tax 1.14%
The typical home in Wise County is worth $370,072, 25% more than the Texas typical home ($296,424). Values changed -0.3% in the past year and +10.2% over five years. Homeowners here pay a median 1.14% of their home's value in property tax each year ($4,207 on the typical home), versus 1.32% statewide.
Mortgage on the typical Wise County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $74,014 | $296,058 | $1,992 | $0 | $536 | $2,527 | $108,300 |
| 10% down | $37,007 | $333,065 | $2,241 | $139 | $536 | $2,915 | $124,900 |
| 5% down | $18,504 | $351,569 | $2,365 | $146 | $536 | $3,047 | $130,600 |
| 3.5% down (FHA) | $12,953 | $363,369 | $2,444 | $164 | $536 | $3,144 | $134,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.14% 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 Dallas metro area.
Texas counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Ellis County | $370,493 | -0.8% | 1.35% |
| Kerr County | $367,529 | -1.9% | 0.97% |
| Hays County | $366,672 | -3.4% | 1.66% |
| Fort Bend County | $374,185 | -2.1% | 1.86% |
| Mills County | $364,056 | +5.7% | 0.78% |
| Washington County | $363,966 | +0.2% | 1.09% |
| Hood County | $379,202 | +0.2% | 1.05% |
| Waller County | $358,663 | -1.8% | 1.27% |
| Lee County | $351,670 | -0.0% | 0.96% |
| Bastrop County | $351,578 | -4.6% | 1.41% |
Frequently asked questions
What is the average home price in Wise County, TX?
The typical home value in Wise County is $370,072 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Wise County?
About $108,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Wise County?
The median effective rate is 1.14% of home value a year (Census ACS 2024 5-year estimates).