Texas home prices and mortgage costs
Typical home value $296,424 · -1.4% in a year · property tax 1.32%
Typical home value
$296,424
Payment (20% down)
$2,070
Income needed
$88,700
Texas ranks 34th most expensive of 51 states and D.C. Home values changed -1.4% over the past year and +10.1% over five years. Buying the typical home with 20% down costs about $2,070 a month at 7.11%, which needs a household income of about $88,700.
Cost of the typical Texas home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $59,285 | $237,139 | $1,595 | $0 | $475 | $2,070 | $88,700 |
| 10% down | $29,642 | $266,781 | $1,795 | $111 | $475 | $2,381 | $102,000 |
| 5% down | $14,821 | $281,603 | $1,894 | $117 | $475 | $2,486 | $106,600 |
| 3.5% down (FHA) | $10,375 | $291,055 | $1,958 | $131 | $475 | $2,564 | $109,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.32% 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.
Check a specific budget: how much house you can afford in Texas by salary · payment on a $300K home in Texas
Home prices by county in Texas
| County | Typical home | 1-yr change | Tax rate | Payment / month | Income needed |
|---|---|---|---|---|---|
| Kendall County | $587,336 | -0.8% | 1.1% | $3,994 | $171,200 |
| Blanco County | $567,417 | -4.0% | 0.93% | $3,778 | $161,900 |
| Gillespie County | $504,348 | -3.1% | 0.98% | $3,377 | $144,700 |
| Collin County | $477,505 | -4.7% | 1.58% | $3,438 | $147,300 |
| Travis County | $461,123 | -3.6% | 1.48% | $3,280 | $140,600 |
| Llano County | $446,002 | -4.1% | 0.75% | $2,900 | $124,300 |
| Parker County | $443,613 | -0.1% | 1.4% | $3,125 | $133,900 |
| Fayette County | $437,101 | -3.6% | 0.89% | $2,894 | $124,000 |
| Denton County | $432,421 | -2.9% | 1.61% | $3,125 | $133,900 |
| Comal County | $431,172 | -1.0% | 1.13% | $2,942 | $126,100 |
| Austin County | $420,802 | +0.2% | 1.16% | $2,880 | $123,400 |
| Burnet County | $419,257 | -2.4% | 1.06% | $2,836 | $121,500 |
| Rockwall County | $409,262 | -2.3% | 1.54% | $2,932 | $125,700 |
| Somervell County | $408,550 | +1.1% | 0.91% | $2,713 | $116,300 |
| Wilson County | $395,462 | -0.2% | 1.22% | $2,729 | $117,000 |
| Williamson County | $394,699 | -4.8% | 1.61% | $2,852 | $122,200 |
| Hood County | $379,202 | +0.2% | 1.05% | $2,562 | $109,800 |
| Fort Bend County | $374,185 | -2.1% | 1.86% | $2,781 | $119,200 |
| Ellis County | $370,493 | -0.8% | 1.35% | $2,595 | $111,200 |
| Wise County | $370,072 | -0.3% | 1.14% | $2,527 | $108,300 |
| Kerr County | $367,529 | -1.9% | 0.97% | $2,458 | $105,300 |
| Hays County | $366,672 | -3.4% | 1.66% | $2,665 | $114,200 |
| Mills County | $364,056 | +5.7% | 0.78% | $2,377 | $101,900 |
| Washington County | $363,966 | +0.2% | 1.09% | $2,472 | $105,900 |
| Waller County | $358,663 | -1.8% | 1.27% | $2,489 | $106,700 |
| Lee County | $351,670 | -0.0% | 0.96% | $2,351 | $100,800 |
| Bastrop County | $351,578 | -4.6% | 1.41% | $2,482 | $106,400 |
| Grimes County | $350,588 | -1.8% | 1.02% | $2,359 | $101,100 |
| Chambers County | $348,474 | +0.4% | 1.05% | $2,356 | $101,000 |
| Kimble County | $344,722 | +5.6% | 1.27% | $2,393 | $102,500 |
| Mason County | $344,398 | -0.5% | 0.84% | $2,266 | $97,100 |
| Montgomery County | $340,504 | -1.4% | 1.52% | $2,435 | $104,300 |
| Erath County | $338,569 | -0.2% | 1.07% | $2,294 | $98,300 |
| Johnson County | $336,224 | -1.1% | 1.24% | $2,326 | $99,700 |
| Midland County | $329,884 | +1.7% | 1.23% | $2,277 | $97,600 |
| Bandera County | $328,128 | -2.5% | 0.88% | $2,169 | $93,000 |
| Brazoria County | $323,788 | -1.3% | 1.66% | $2,352 | $100,800 |
| Tarrant County | $318,481 | -0.8% | 1.65% | $2,310 | $99,000 |
| Cooke County | $318,246 | -0.8% | 1.19% | $2,188 | $93,800 |
| Medina County | $317,400 | -2.3% | 1.32% | $2,216 | $95,000 |
| Galveston County | $316,541 | -1.1% | 1.41% | $2,234 | $95,800 |
| Franklin County | $311,993 | +2.6% | 0.89% | $2,067 | $88,600 |
| Lampasas County | $311,545 | +1.9% | 1.17% | $2,136 | $91,500 |
| Brazos County | $310,538 | -0.2% | 1.54% | $2,226 | $95,400 |
| Dallas County | $304,821 | -1.6% | 1.58% | $2,195 | $94,100 |
| Leon County | $304,189 | +1.3% | 0.69% | $1,964 | $84,200 |
| Aransas County | $296,412 | -4.8% | 1.02% | $1,995 | $85,500 |
| Guadalupe County | $293,039 | -1.8% | 1.43% | $2,072 | $88,800 |
| Kaufman County | $292,707 | -3.8% | 1.68% | $2,130 | $91,300 |
| Colorado County | $291,555 | -3.7% | 1.05% | $1,970 | $84,400 |
| Rains County | $290,163 | +2.6% | 1.02% | $1,953 | $83,700 |
| Lavaca County | $289,905 | +1.4% | 0.89% | $1,921 | $82,300 |
| Palo Pinto County | $283,776 | +0.4% | 1.11% | $1,932 | $82,800 |
| Fannin County | $282,735 | -1.3% | 1.08% | $1,918 | $82,200 |
| Grayson County | $280,311 | -4.6% | 1.27% | $1,945 | $83,300 |
| Caldwell County | $280,021 | -5.1% | 1.35% | $1,961 | $84,000 |
| Real County | $279,435 | -1.1% | 1.07% | $1,893 | $81,100 |
| Madison County | $278,799 | -1.9% | 0.98% | $1,867 | $80,000 |
| Harris County | $276,524 | -2.0% | 1.62% | $2,000 | $85,700 |
| Van Zandt County | $276,416 | -0.1% | 1.03% | $1,864 | $79,900 |
| Glasscock County | $275,886 | +5.8% | 0.55% | $1,749 | $75,000 |
| Walker County | $274,264 | +0.3% | 1.18% | $1,882 | $80,700 |
| Hunt County | $271,566 | -2.3% | 1.24% | $1,878 | $80,500 |
| Robertson County | $270,893 | +2.7% | 1.01% | $1,822 | $78,100 |
| Wood County | $270,056 | -1.8% | 0.88% | $1,786 | $76,500 |
| Goliad County | $268,136 | +3.2% | 0.94% | $1,787 | $76,600 |
| Smith County | $267,840 | -0.3% | 1.16% | $1,835 | $78,700 |
| Henderson County | $267,629 | -1.5% | 0.94% | $1,784 | $76,500 |
| Burleson County | $265,577 | -0.5% | 0.95% | $1,772 | $76,000 |
| Hamilton County | $264,504 | +0.8% | 1.26% | $1,834 | $78,600 |
| Andrews County | $263,891 | +6.9% | 1.28% | $1,834 | $78,600 |
| Milam County | $263,672 | +1.1% | 0.99% | $1,768 | $75,800 |
| Randall County | $261,974 | +4.1% | 1.51% | $1,871 | $80,200 |
| Hartley County | $261,373 | +7.7% | 1.01% | $1,757 | $75,300 |
| Montague County | $260,206 | -2.0% | 0.92% | $1,730 | $74,200 |
| McLennan County | $257,622 | +0.4% | 1.42% | $1,821 | $78,000 |
| Hopkins County | $255,721 | -3.2% | 1% | $1,718 | $73,600 |
| Gonzales County | $253,175 | -6.2% | 1.31% | $1,765 | $75,700 |
| Irion County | $252,990 | -6.3% | 0.7% | $1,635 | $70,100 |
| Ector County | $252,414 | +3.8% | 1.27% | $1,751 | $75,100 |
| Martin County | $251,649 | +1.8% | 0.91% | $1,671 | $71,600 |
| Bexar County | $250,969 | -2.3% | 1.73% | $1,838 | $78,800 |
| Bell County | $247,929 | -1.9% | 1.44% | $1,756 | $75,300 |
| Armstrong County | $245,373 | +9.5% | 1.23% | $1,695 | $72,600 |
| Atascosa County | $242,697 | +0.6% | 1.29% | $1,688 | $72,400 |
| Wharton County | $242,430 | +1.9% | 1.52% | $1,732 | $74,200 |
| Bosque County | $240,511 | +0.7% | 0.98% | $1,610 | $69,000 |
| Gaines County | $240,166 | +2.4% | 1.57% | $1,726 | $74,000 |
| San Jacinto County | $239,361 | -3.4% | 0.99% | $1,605 | $68,800 |
| Archer County | $239,118 | +5.4% | 1.21% | $1,648 | $70,600 |
| Upshur County | $235,784 | +1.2% | 1.19% | $1,620 | $69,400 |
| Comanche County | $235,551 | +6.1% | 1.35% | $1,650 | $70,700 |
| Cherokee County | $233,774 | -1.0% | 1.16% | $1,601 | $68,600 |
| Liberty County | $233,304 | -3.2% | 1.17% | $1,600 | $68,600 |
| El Paso County | $233,084 | +2.5% | 2.03% | $1,765 | $75,600 |
| Hardin County | $230,858 | +2.2% | 1.09% | $1,567 | $67,200 |
| Hill County | $229,092 | +0.7% | 1.16% | $1,569 | $67,200 |
| Taylor County | $228,744 | +9.9% | 1.37% | $1,607 | $68,900 |
| Jack County | $228,017 | +0.0% | 0.98% | $1,527 | $65,400 |
| Navarro County | $227,542 | +1.7% | 1.2% | $1,566 | $67,100 |
| Freestone County | $227,480 | -2.3% | 0.94% | $1,516 | $65,000 |
| Tom Green County | $227,293 | -4.6% | 1.29% | $1,580 | $67,700 |
| Titus County | $225,677 | -1.5% | 1.2% | $1,554 | $66,600 |
| Nueces County | $225,135 | +0.6% | 1.59% | $1,623 | $69,600 |
| Coryell County | $224,581 | +0.7% | 1.36% | $1,575 | $67,500 |
| Nacogdoches County | $223,276 | +5.0% | 0.83% | $1,467 | $62,900 |
| Callahan County | $221,876 | +8.3% | 0.91% | $1,472 | $63,100 |
| Gregg County | $221,780 | +0.3% | 1.16% | $1,520 | $65,100 |
| Presidio County | $221,257 | -0.0% | 1.24% | $1,530 | $65,600 |
| Shelby County | $219,980 | -4.8% | 1.01% | $1,479 | $63,400 |
| Victoria County | $216,406 | +1.3% | 1.46% | $1,536 | $65,800 |
| Anderson County | $215,774 | +4.0% | 0.92% | $1,434 | $61,500 |
| Maverick County | $215,361 | -5.6% | 1.25% | $1,490 | $63,900 |
| Webb County | $215,260 | +2.0% | 1.8% | $1,589 | $68,100 |
| De Witt County | $215,233 | -2.2% | 0.86% | $1,420 | $60,900 |
| Lubbock County | $214,560 | +2.5% | 1.51% | $1,533 | $65,700 |
| Rusk County | $211,254 | +4.7% | 1.05% | $1,427 | $61,100 |
| Live Oak County | $210,224 | -2.2% | 0.96% | $1,404 | $60,200 |
| Camp County | $209,609 | -0.1% | 1.1% | $1,425 | $61,100 |
| Lynn County | $209,459 | +7.9% | 1.77% | $1,541 | $66,000 |
| San Saba County | $208,410 | -0.6% | 0.9% | $1,382 | $59,200 |
| Karnes County | $207,861 | -1.0% | 0.93% | $1,384 | $59,300 |
| Harrison County | $207,787 | +0.9% | 0.97% | $1,391 | $59,600 |
| Jackson County | $206,297 | -1.6% | 1.02% | $1,389 | $59,500 |
| San Patricio County | $206,055 | +1.2% | 1.49% | $1,468 | $62,900 |
| Matagorda County | $205,845 | +0.7% | 1.35% | $1,442 | $61,800 |
| Jeff Davis County | $205,283 | -0.5% | 0.6% | $1,311 | $56,200 |
| Brewster County | $204,943 | -4.8% | 1.13% | $1,399 | $60,000 |
| Val Verde County | $204,781 | -4.3% | 1.43% | $1,449 | $62,100 |
| Cameron County | $204,554 | +1.3% | 1.5% | $1,458 | $62,500 |
| Calhoun County | $204,106 | +1.5% | 1.26% | $1,414 | $60,600 |
| Houston County | $203,663 | +0.4% | 0.84% | $1,341 | $57,500 |
| Delta County | $201,862 | +0.1% | 0.95% | $1,347 | $57,700 |
| Lamar County | $201,796 | +1.3% | 0.87% | $1,333 | $57,100 |
| Menard County | $201,702 | +6.3% | 1.95% | $1,513 | $64,900 |
| Sabine County | $201,342 | +3.1% | 0.82% | $1,322 | $56,700 |
| Clay County | $200,720 | +2.5% | 1.27% | $1,393 | $59,700 |
| Panola County | $200,567 | +3.6% | 0.79% | $1,311 | $56,200 |
| Crane County | $200,382 | +1.3% | 1.04% | $1,352 | $58,000 |
| Angelina County | $198,763 | -1.2% | 1.09% | $1,349 | $57,800 |
| Bowie County | $194,510 | +2.3% | 1.18% | $1,335 | $57,200 |
| Hidalgo County | $188,974 | -0.4% | 1.62% | $1,366 | $58,600 |
| Orange County | $188,637 | +3.5% | 1.24% | $1,305 | $55,900 |
| Moore County | $187,666 | +4.0% | 1.3% | $1,307 | $56,000 |
| Brown County | $186,630 | -0.1% | 1.11% | $1,271 | $54,500 |
| Jasper County | $185,799 | -3.5% | 0.97% | $1,243 | $53,300 |
| Uvalde County | $185,698 | -6.6% | 1.44% | $1,315 | $56,400 |
| Ward County | $185,065 | -0.7% | 0.64% | $1,187 | $50,900 |
| Yoakum County | $183,995 | -4.6% | 0.94% | $1,226 | $52,600 |
| Young County | $180,983 | -1.4% | 1.11% | $1,232 | $52,800 |
| Reeves County | $178,752 | +5.0% | 1.08% | $1,212 | $51,900 |
| Sterling County | $176,839 | -2.8% | 1.29% | $1,230 | $52,700 |
| Jefferson County | $176,616 | +4.1% | 1.53% | $1,265 | $54,200 |
| Polk County | $174,922 | -4.6% | 0.9% | $1,160 | $49,700 |
| Limestone County | $174,480 | -2.1% | 1.19% | $1,199 | $51,400 |
| Parmer County | $173,393 | +10.7% | 1.28% | $1,204 | $51,600 |
| Willacy County | $173,352 | -3.2% | 1.68% | $1,263 | $54,100 |
| Tyler County | $172,727 | +2.4% | 0.89% | $1,144 | $49,000 |
| Deaf Smith County | $172,414 | -1.8% | 1.48% | $1,227 | $52,600 |
| Hemphill County | $171,727 | +11.7% | 1.16% | $1,176 | $50,400 |
| Red River County | $170,667 | +10.4% | 1.01% | $1,147 | $49,200 |
| Wichita County | $169,452 | +2.1% | 1.64% | $1,228 | $52,600 |
| Trinity County | $169,177 | -5.5% | 1.06% | $1,144 | $49,000 |
| San Augustine County | $167,865 | -1.8% | 0.68% | $1,082 | $46,400 |
| Carson County | $166,359 | +4.9% | 1.19% | $1,144 | $49,000 |
| Frio County | $166,174 | +1.4% | 1.55% | $1,192 | $51,100 |
| Hockley County | $165,559 | +1.3% | 1.39% | $1,165 | $49,900 |
| Sherman County | $164,797 | +6.6% | 1.72% | $1,206 | $51,700 |
| Cass County | $161,748 | -0.9% | 0.94% | $1,078 | $46,200 |
| Shackelford County | $161,294 | +1.4% | 1.15% | $1,103 | $47,300 |
| McCulloch County | $161,246 | +8.0% | 0.99% | $1,082 | $46,400 |
| Briscoe County | $161,037 | +12.9% | 1.09% | $1,093 | $46,800 |
| Reagan County | $160,753 | -11.6% | 0.92% | $1,069 | $45,800 |
| Morris County | $159,064 | -2.1% | 1.1% | $1,082 | $46,400 |
| Bee County | $158,126 | -2.4% | 1.45% | $1,121 | $48,100 |
| Jones County | $157,714 | +9.6% | 1.59% | $1,137 | $48,700 |
| Newton County | $155,255 | +7.3% | 0.82% | $1,019 | $43,700 |
| Dallam County | $154,785 | +5.0% | 1.15% | $1,058 | $45,400 |
| Stephens County | $154,661 | +0.7% | 1.48% | $1,101 | $47,200 |
| Culberson County | $154,316 | +13.8% | 0.97% | $1,032 | $44,200 |
| Pecos County | $153,302 | -1.1% | 1.03% | $1,033 | $44,300 |
| Eastland County | $148,997 | +0.6% | 1.08% | $1,011 | $43,300 |
| Concho County | $148,501 | -1.0% | 1.68% | $1,081 | $46,300 |
| Potter County | $147,877 | +4.1% | 1.46% | $1,049 | $45,000 |
| Coke County | $147,025 | +6.0% | 1.16% | $1,007 | $43,200 |
| Marion County | $146,312 | -1.5% | 0.74% | $951 | $40,700 |
| Kleberg County | $145,523 | -1.1% | 1.47% | $1,034 | $44,300 |
| Scurry County | $144,049 | +2.9% | 1.27% | $1,000 | $42,800 |
| Starr County | $144,023 | +1.6% | 1.14% | $984 | $42,200 |
| Howard County | $142,857 | +4.8% | 0.95% | $953 | $40,900 |
| Winkler County | $142,604 | +14.1% | 0.76% | $928 | $39,800 |
| Bailey County | $142,242 | -2.0% | 1.52% | $1,017 | $43,600 |
| Coleman County | $141,747 | +8.1% | 1.35% | $994 | $42,600 |
| Falls County | $141,228 | -3.1% | 1.37% | $992 | $42,500 |
| Sutton County | $140,701 | -4.4% | 1.22% | $971 | $41,600 |
| Throckmorton County | $139,924 | -12.3% | 1.28% | $973 | $41,700 |
| Castro County | $139,264 | -2.2% | 0.92% | $926 | $39,700 |
| Runnels County | $138,829 | +8.9% | 1.37% | $975 | $41,800 |
| Jim Wells County | $137,856 | -10.1% | 1.15% | $943 | $40,400 |
| Baylor County | $136,644 | +17.4% | 1.25% | $946 | $40,500 |
| Childress County | $135,325 | +26.5% | 1.19% | $930 | $39,900 |
| Refugio County | $133,719 | -6.7% | 1.47% | $951 | $40,700 |
| Dimmit County | $133,562 | +4.7% | 1.43% | $945 | $40,500 |
| Hansford County | $133,079 | +6.6% | 1.81% | $984 | $42,200 |
| Ochiltree County | $130,055 | +13.1% | 1.42% | $919 | $39,400 |
| Donley County | $126,273 | +12.2% | 1.16% | $865 | $37,100 |
| Zapata County | $121,665 | -5.8% | 0.95% | $812 | $34,800 |
| Garza County | $121,629 | +2.0% | 1.57% | $874 | $37,500 |
| Terry County | $121,439 | -1.4% | 1.69% | $885 | $37,900 |
| La Salle County | $120,225 | -8.5% | 1.47% | $854 | $36,600 |
| Nolan County | $120,201 | +7.7% | 1.53% | $860 | $36,900 |
| Upton County | $120,180 | +6.4% | 1.08% | $815 | $34,900 |
| Hale County | $119,100 | -3.4% | 1.31% | $830 | $35,600 |
| Motley County | $118,731 | +9.1% | 1.03% | $800 | $34,300 |
| Hutchinson County | $118,561 | +2.1% | 1.35% | $830 | $35,600 |
| Kinney County | $118,224 | +0.2% | 1.41% | $834 | $35,800 |
| Lipscomb County | $118,196 | +2.7% | 1.41% | $834 | $35,700 |
| Crockett County | $114,991 | -6.2% | 1.32% | $803 | $34,400 |
| Dawson County | $111,742 | +6.0% | 1.62% | $808 | $34,600 |
| Terrell County | $110,144 | -10.8% | 0.92% | $732 | $31,400 |
| Fisher County | $109,250 | +9.6% | 1.73% | $800 | $34,300 |
| Wilbarger County | $107,745 | +3.0% | 1.6% | $778 | $33,300 |
| Lamb County | $106,296 | -5.9% | 1.12% | $724 | $31,000 |
| Gray County | $105,191 | +1.9% | 1.37% | $739 | $31,700 |
| Haskell County | $104,184 | +8.2% | 1.16% | $713 | $30,600 |
| Swisher County | $101,032 | +3.9% | 1.72% | $739 | $31,700 |
| Dickens County | $99,808 | +0.3% | 1.44% | $707 | $30,300 |
| Wheeler County | $99,566 | +10.6% | 1.39% | $701 | $30,000 |
| Mitchell County | $98,441 | +1.9% | 1.86% | $732 | $31,400 |
| Knox County | $94,236 | +6.4% | 1.6% | $680 | $29,100 |
| Stonewall County | $94,179 | -0.4% | 1.79% | $695 | $29,800 |
| Zavala County | $91,238 | +13.1% | 1.53% | $653 | $28,000 |
| Hall County | $86,993 | +7.8% | 1.26% | $603 | $25,800 |
| Floyd County | $86,253 | +1.4% | 1.24% | $596 | $25,500 |
| Duval County | $86,206 | -10.6% | 1.28% | $599 | $25,700 |
| Crosby County | $85,807 | +3.0% | 1.83% | $636 | $27,200 |
| Foard County | $84,841 | -6.0% | 1.12% | $578 | $24,800 |
| Collingsworth County | $84,832 | -2.4% | 1.26% | $588 | $25,200 |
| Jim Hogg County | $78,647 | -7.1% | 0.97% | $526 | $22,600 |
| Cottle County | $77,429 | +18.3% | 1.15% | $529 | $22,700 |
| Brooks County | $66,227 | -10.5% | 1.31% | $462 | $19,800 |
| Hardeman County | $63,138 | -14.0% | 1.04% | $426 | $18,200 |
| Cochran County | $51,155 | -7.7% | 1.1% | $348 | $14,900 |
Metro areas in Texas
Frequently asked questions
What is the average home price in Texas?
The typical home in Texas is worth $296,424 according to the Zillow Home Value Index for September 2026.
How much income do you need to buy a house in Texas?
About $88,700 a year to buy the typical $296,424 home with 20% down at 7.11%, keeping housing under 28% of income.
What is the property tax rate in Texas?
The typical effective rate is 1.32% of the home's value a year (median taxes paid divided by median home value, Census ACS 2025).