Athens, TX home prices
Typical home $267,639 · -1.5% in a year · income needed $76,500
The Athens, TX metro area ranks 402 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -1.5% in a year and +5.2% over five years. With 20% down at 7.11%, the typical home costs about $1,784 a month including 0.94% property tax (Henderson County rate).
Mortgage on the typical Athens home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $53,528 | $214,111 | $1,440 | $0 | $344 | $1,784 | $76,500 |
| 10% down | $26,764 | $240,875 | $1,620 | $100 | $344 | $2,065 | $88,500 |
| 5% down | $13,382 | $254,257 | $1,710 | $106 | $344 | $2,160 | $92,600 |
| 3.5% down (FHA) | $9,367 | $262,791 | $1,768 | $118 | $344 | $2,230 | $95,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.94% 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.
Counties in the Athens area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Henderson County, TX | $267,629 | -1.5% | 0.94% |
What can you afford in Texas on your salary? · Texas home prices · Salaries in Texas
Frequently asked questions
How much is a house in Athens?
The typical home in the Athens, TX metro area is worth $267,639 (Zillow, September 2026).
What salary do you need to buy a house in Athens?
About $76,500 a year for the typical home with 20% down at 7.11%.