El Campo, TX home prices
Typical home $242,413 · +1.9% in a year · income needed $74,200
The El Campo, TX metro area ranks 483 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +1.9% in a year and +5.2% over five years. With 20% down at 7.11%, the typical home costs about $1,732 a month including 1.52% property tax (Wharton County rate).
Mortgage on the typical El Campo home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $48,483 | $193,930 | $1,305 | $0 | $428 | $1,732 | $74,200 |
| 10% down | $24,241 | $218,171 | $1,468 | $91 | $428 | $1,986 | $85,100 |
| 5% down | $12,121 | $230,292 | $1,549 | $96 | $428 | $2,073 | $88,800 |
| 3.5% down (FHA) | $8,484 | $238,022 | $1,601 | $107 | $428 | $2,136 | $91,500 |
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.
Counties in the El Campo area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Wharton County, TX | $242,430 | +1.9% | 1.52% |
What can you afford in Texas on your salary? · Texas home prices · Salaries in Texas
Frequently asked questions
How much is a house in El Campo?
The typical home in the El Campo, TX metro area is worth $242,413 (Zillow, September 2026).
What salary do you need to buy a house in El Campo?
About $74,200 a year for the typical home with 20% down at 7.11%.