Nacogdoches, TX home prices
Typical home $223,274 · +5.1% in a year · income needed $62,900
The Nacogdoches, TX metro area ranks 555 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +5.1% in a year and +18.3% over five years. With 20% down at 7.11%, the typical home costs about $1,467 a month including 0.83% property tax (Nacogdoches County rate).
Mortgage on the typical Nacogdoches home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $44,655 | $178,619 | $1,202 | $0 | $265 | $1,467 | $62,900 |
| 10% down | $22,327 | $200,946 | $1,352 | $84 | $265 | $1,701 | $72,900 |
| 5% down | $11,164 | $212,110 | $1,427 | $88 | $265 | $1,781 | $76,300 |
| 3.5% down (FHA) | $7,815 | $219,229 | $1,475 | $99 | $265 | $1,839 | $78,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.83% 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 Nacogdoches area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Nacogdoches County, TX | $223,276 | +5.0% | 0.83% |
What can you afford in Texas on your salary? · Texas home prices · Salaries in Texas
Frequently asked questions
How much is a house in Nacogdoches?
The typical home in the Nacogdoches, TX metro area is worth $223,274 (Zillow, September 2026).
What salary do you need to buy a house in Nacogdoches?
About $62,900 a year for the typical home with 20% down at 7.11%.