Fredericksburg, TX home prices
Typical home $504,117 · -3.1% in a year · income needed $144,600
The Fredericksburg, TX metro area ranks 74 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -3.1% in a year and +4.5% over five years. With 20% down at 7.11%, the typical home costs about $3,375 a month including 0.98% property tax (Gillespie County rate).
Mortgage on the typical Fredericksburg home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $100,823 | $403,294 | $2,713 | $0 | $662 | $3,375 | $144,600 |
| 10% down | $50,412 | $453,706 | $3,052 | $189 | $662 | $3,903 | $167,300 |
| 5% down | $25,206 | $478,912 | $3,222 | $200 | $662 | $4,083 | $175,000 |
| 3.5% down (FHA) | $17,644 | $494,987 | $3,330 | $223 | $662 | $4,215 | $180,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.98% 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 Fredericksburg area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Gillespie County, TX | $504,348 | -3.1% | 0.98% |
What can you afford in Texas on your salary? · Texas home prices · Salaries in Texas
Frequently asked questions
How much is a house in Fredericksburg?
The typical home in the Fredericksburg, TX metro area is worth $504,117 (Zillow, September 2026).
What salary do you need to buy a house in Fredericksburg?
About $144,600 a year for the typical home with 20% down at 7.11%.