Zapata, TX home prices
Typical home $121,682 · -5.8% in a year · income needed $34,800
The Zapata, TX metro area ranks 861 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -5.8% in a year and -28.5% over five years. With 20% down at 7.11%, the typical home costs about $812 a month including 0.95% property tax (Zapata County rate).
Mortgage on the typical Zapata home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $24,336 | $97,345 | $655 | $0 | $157 | $812 | $34,800 |
| 10% down | $12,168 | $109,513 | $737 | $46 | $157 | $939 | $40,300 |
| 5% down | $6,084 | $115,597 | $778 | $48 | $157 | $983 | $42,100 |
| 3.5% down (FHA) | $4,259 | $119,478 | $804 | $54 | $157 | $1,014 | $43,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.95% 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 Zapata area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Zapata County, TX | $121,665 | -5.8% | 0.95% |
What can you afford in Texas on your salary? · Texas home prices · Salaries in Texas
Frequently asked questions
How much is a house in Zapata?
The typical home in the Zapata, TX metro area is worth $121,682 (Zillow, September 2026).
What salary do you need to buy a house in Zapata?
About $34,800 a year for the typical home with 20% down at 7.11%.