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State

Data from November 2026

Housing , home prices, rents and assistance in Texas (2026)

In Texas, a typical home is worth $283,800 and the typical rent is $1,403 a month. The FHA limit for a one-unit home runs from $541,287 to $813,050 depending on the county. 51 HUD-approved counseling agencies serve Texas; 39 say they serve you in Spanish.

Most populous:

Typical home value by county

  • Under $107,700
  • $107,700–$155,600
  • $155,600–$186,400
  • $186,400–$243,600
  • $243,600 or more
  • 10 with no data

Tap the map to see each county’s figure and open its page.

Typical home value
$283,800
15% less than the U.S.
U.S.: $332,700
Typical rent per month
$1,403
About the same as the U.S.
U.S.: $1,413
Typical household income
$78,476
3% less than the U.S.
U.S.: $80,734
FHA limit, 1 unit
$541,287 to $813,050
It changes by county. The highest: Glasscock County.
U.S.: $541,287 to $1,299,500
Property tax
1.49%
of value a year
The typical bill is $4,232 a year.
U.S.: 0.94%

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD)

In short

Living in Texas

In Texas, a typical home is worth $283,800: 15% less than in the United States overall. Prices change a lot by county: from $53,200 in Cochran County to $523,000 in Travis County. The typical household earns $78,476 a year and the typical rent is $1,403 a month; 52% of renter households spend 30% or more of their income on housing. 63% of households own their home, and the typical property tax is $4,232 a year (about 1.49% of value).

The conforming loan limit for a one-unit home is $832,750 across Texas. To pay HUD’s fair rent for a 2-bedroom apartment in Texas ($1,488) without spending more than 30% of income, you need about $28.62 an hour working full time.

Source: Conforming loan limits (FHFA) Data from 2026 data Conforming loan limits (FHFA) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

The essentials in Texas

More on property tax

  • School-district homestead exemption

    School districts must take $140,000 off the value of your main home before taxing it; owners 65 or older or with a disability get $60,000 more taken off.

    Texas Comptroller of Public Accounts · Verified October 15, 2026

  • Local-option homestead exemption

    Any taxing unit (county, city, district) may add its own exemption on your main home. The Comptroller's page says it can reach 20 percent of the value and cannot be less than $5,000.

    Texas Comptroller of Public Accounts · Verified October 15, 2026

  • Deadline to apply for an exemption

    You file the exemption application with your county's appraisal district, generally before May 1.

    Texas Comptroller of Public Accounts · Verified October 15, 2026

  • Deadline to protest the appraisal

    If you disagree with the value the appraisal district assigned, you can protest to the appraisal review board (ARB) with Form 50-132, by May 15 or 30 days after the notice arrives, whichever is later.

    Texas Comptroller of Public Accounts · Verified October 15, 2026

  • The constitution bars new real estate transfer taxes

    The Texas Constitution says that after January 1, 2016, no law may be passed that imposes a transfer tax on a transaction conveying fee simple title to real property. This does not stop a tax on issuing title insurance or a change in the rate of a tax that already existed on January 1, 2016.

    Texas Constitution (Texas Legislature) · Verified October 16, 2026

The homes here

Housing in Texas

What homes there are in Texas, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses, standing on their own, make up 64% of homes here, against 61% in the U.S..

Year built

The typical home in Texas was built in 1992, 12 years after the typical one in the U.S..

In Texas, 63% of homes have 3 bedrooms or more, about the same as in the U.S..

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

Looking at what owner-occupied homes in Texas are worth, the most common range is between $300K and $500K (28%).

Monthly rent with utilities

The largest group of rented homes in Texas pays between $1,000 and $1,499 a month: 35%.

With a mortgage

$2,106 a month

United States: $1,963 a month

Without a mortgage

$678 a month

United States: $638 a month

Owners with a mortgage

56%

United States: 61%

Owning costs more in Texas: with a mortgage, the typical cost is $2,106 a month; in the U.S., $1,963. Without one, $678.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Texas rose 65%; in the U.S., it rose 53%.

The typical rent in Texas rose 34% since 2015–2019, about the same as in the U.S. (33%).

The typical household income in Texas rose 27%: less than home values (+65%) and rent (+34%).

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureTexasUnited States
Rental vacancy 7.7%5.5%
Homeowner vacancy 1.1%0.9%
More than one person per room 4.8%3.4%
People per household 2.692.53
Drive alone 71%69%
Carpool 10%9%
Public transit 1%3%
Walk or bike 2%3%
Work from home 14%15%
Other means 2%2%
Typical commute 20 to 29 minutes20 to 29 minutes

There is more rental housing open in Texas: 7.7% is empty and offered for rent, against 5.5% in the U.S..

More households are short on space in Texas: 4.8% have more than one person per room; in the U.S., 3.4%.

More people live in each home here: 2.69 on average, against 2.53 in the U.S..

To get to work, 71% of workers in Texas drive alone; in the U.S., 69%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Places

Explore the counties in Texas

Sort by any column or type a name. The 25 most populous are shown; the button reveals the rest.

See the counties page

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

Calculator

Work out your payment in Texas

Start from the typical home value in Texas, $283,800, and this week’s average rate. Move the price and the down payment to see your monthly payment. If you already visited a county, the calculator uses its numbers.

More math for Texas

$
%

Estimated monthly payment

$2,484

FHA loan over 30 years, with estimated taxes and insurance.

See the full calculation

Prices and risks

Three official measures that help you decide: how much home prices have changed according to FHFA, how prices compare with the national average according to BEA, and how many homes sit in a flood zone according to FEMA.

Home prices

How have home prices changed?

According to the FHFA House Price Index, home prices in Texas rose 88% in the 10 years through 2025.

Price change each year

Period Texas United States
In 2025 +0.8% +2.9%
5 years (2020–2025) +44% +47%
10 years (2015–2025) +88% +85%

The index follows the prices of the same homes over time (sales and appraisals on loans bought or guaranteed by Fannie Mae and Freddie Mac). It is not the average price of a home. FHFA considers its annual state indexes experimental.

Source: FHFA House Price Index (HPI) Data from 2025 data FHFA House Price Index (HPI)

Cost of living

How expensive are prices here?

According to the Bureau of Economic Analysis (BEA), in 2024 prices in Texas were 3% lower than the U.S. average. Housing rents were 4% lower than nationwide.

Category Texas United States Versus the U.S.
All prices Consumer goods and services 97.1 100.0 3% less
Housing rents What renters pay 96.5 100.6 4% less
Water, power and gas Water, sewer, electricity and gas 87.5 98.4 11% less
Goods Food, clothing, transportation and more 98.1 99.6 1% less
Other services Services other than rent 97.1 100.1 3% less

BEA expresses each index as a percentage of the average U.S. price level: a higher number means higher prices, and a lower one, lower prices.

Source: Regional price parities (BEA) Data from 2024 data Regional price parities (BEA)

Flooding

Is there a flood risk?

According to FEMA, in Texas 4.1% of homes (360,062) are in a high-risk flood zone. Of those homes, 48% have NFIP flood insurance.

  • A high-risk zone (Special Flood Hazard Area) has a 1% or greater chance of flooding each year. 44 CFR 59.1
  • If the home is in that zone and the loan comes from a regulated lender, federal law requires flood insurance for the life of the loan, in communities that take part in the NFIP. 42 U.S.C. 4012a
  • Most homeowners insurance does not cover flood damage. FEMA, FloodSmart
Texas United States
Homes in a high-risk zone 4.1% 3.5%
Of those, with NFIP insurance 48% 48%
All homes with NFIP insurance 5.8% 2.9%

The NFIP is the federal flood insurance program; private policies are not counted. FEMA counts homes with its National Structure Inventory. We add up the county figures FEMA publishes.

Look up your address on FEMA’s map Source: Homes with flood insurance (NFIP, FEMA) As of August 3, 2026 Homes with flood insurance (NFIP, FEMA)

Places

Cities in Texas

The 16 most populous cities with a page. Each one compares its prices and rents with its county.

See the other cities (412)

    Help to buy

    Assistance programs in Texas

    Our list has 7 official programs that help you buy in Texas. Each card says what kind of help it gives and when we checked its official page.

    See all 7 programs
    1. My First Texas Home

      Texas state program for first-time buyers: a 30-year mortgage with down payment assistance. Offered by Texas Department of Housing and Community Affairs (TDHCA).

      DeferredForgivable Verified November 5, 2026

    2. My Choice Texas Home

      Texas state program with down payment assistance for any buyer, not only first-time buyers. Offered by Texas Department of Housing and Community Affairs (TDHCA).

      DeferredForgivable Verified November 5, 2026

    3. Texas Mortgage Credit Certificate (MCC)

      Limited funds remain, per the source

      Texas state certificate that turns part of your mortgage interest into a credit on your federal tax return. Offered by Texas Department of Housing and Community Affairs (TDHCA).

      Tax credit Verified November 5, 2026

    Tenant rights

    Tenant rights in Texas

    Texas law answers 5 of these 5 questions, each answer with its citation. Where it says “Data not available”, we have not verified it against the source yet.

    A summary of state law, not legal advice. Cities may have additional rules.

    See every right

    1. How much can they charge for a deposit?

      Texas law sets no maximum for the security deposit. The Property Code (chapter 92, subchapter C) defines a deposit and says how and when it is returned, but caps no amount.

      Tex. Prop. Code §§92.101–92.113 (subch. C)

    2. When must they return my deposit?

      Your landlord must refund your security deposit on or before the 30th day after you surrender the home. But the landlord does not have to return it until you give a written forwarding address.

      Tex. Prop. Code §92.103(a)

    3. If I fall behind on rent, what notice must I get?

      Before filing an eviction suit, the landlord must give you at least three days' written notice to vacate, unless a written lease sets a shorter or longer period. If you were not late on rent before that month, the notice must be a notice to pay rent or vacate.

      Tex. Prop. Code §24.005(a)

    4. How much notice ends a month-to-month rental?

      In a month-to-month tenancy, you or the landlord can end it with notice. It ends on the date in the notice or one month after the notice is given, whichever is later.

      Tex. Prop. Code §91.001(b)

    5. Are there limits on late fees?

      A landlord may charge a late fee only if it is in a written lease, is reasonable, and rent remains unpaid two full days after it was due. It is considered reasonable if it is not more than 12% of the rent in a building with four or fewer units, or 10% in a building with more than four units.

      Tex. Prop. Code §92.019(a), (a-1)

    A small green wooden house near Guadalupe Street on San Antonio's West Side, Texas.

    Help and advice

    Who can help you in Texas?

    You do not have to do this alone. A HUD-approved housing counselor gives independent advice on buying, renting, late payments and credit, often free or at low cost.

    51 HUD-approved counseling agencies serve Texas; 39 say they serve you in Spanish. Choose your county to see the closest ones with their phone number.

    379 public housing authorities run Section 8 vouchers and public housing in Texas.

    See all 51 agencies See the housing agencies

    Who runs the help in Texas

    • Texas Department of Housing and Community Affairs (TDHCA)

      The Texas Department of Housing and Community Affairs (TDHCA) is the state agency responsible for affordable housing, among other programs. It says it operates as the housing finance agency for the State of Texas and that its mission is to create the opportunity of homeownership through financing and shared knowledge. Its TDHCA Homebuyer Program was created to help Texans achieve the dream of homeownership.

      The agency's official page · Verified October 17, 2026

    • Texas State Affordable Housing Corporation (TSAHC)

      The Texas State Affordable Housing Corporation (TSAHC) is a nonprofit organization. It was created at the direction of the Texas Legislature to be a self-sustaining, statewide affordable housing provider. Among other things, it helps low- and moderate-income families buy a home and helps homeowners get the financial education and services they need to stay in their homes.

      The agency's official page · Verified October 17, 2026

    Where to file a complaint in Texas

    • Where to file a housing discrimination complaint

      The Texas Workforce Commission (TWC) takes housing discrimination complaints when the property is in Texas. You must submit the complaint within one year from the date of the discrimination. A complaint cannot be filed with both TWC and the Department of Housing and Urban Development (HUD).

      Texas Workforce Commission, Civil Rights Division · Verified October 16, 2026

    • Help with homeowners insurance complaints or questions

      The Texas Department of Insurance (TDI) helps with homeowners or renters insurance complaints about the insurance companies, agents and adjusters it regulates. It can't help with complaints about service providers, such as mortgage companies, building contractors and roofers.

      Texas Department of Insurance (TDI) · Verified October 16, 2026

    Guides

    Guides for you in Texas

    We picked them with the numbers of Texas. Each one says why it can help you.

    Frequently asked questions about housing in Texas

    What is the FHA limit in Texas in 2026?

    In Texas, the FHA limit for a one-unit home runs from $541,287 to $813,050. The highest is in Glasscock County.

    How much does a typical home cost in Texas?

    The typical home value in Texas is $283,800 (Average 2020–2024, U.S. Census). The highest is in Travis County ($523,000) and the lowest in Cochran County ($53,200).

    How much does it cost to rent in Texas?

    The typical rent in Texas is $1,403 a month (Average 2020–2024, U.S. Census).

    How much do you need to earn to rent a 2-bedroom apartment in Texas?

    At HUD's average fair market rent in Texas ($1,488, Fiscal year 2027), about $28.62 an hour working full time, so rent stays under 30% of income.

    How much is property tax in Texas?

    The typical property tax in Texas is $4,232 a year, about 1.49% of home value (Average 2020–2024, U.S. Census).

    Where can I find free help in Spanish to buy a home in Texas?

    There are 51 HUD-approved counseling agencies in Texas; 39 say they serve you in Spanish. Each county page lists the closest ones with their phone number.

    Sources: American Community Survey (Average 2020–2024); FHA mortgage limits (2026 data); Conforming loan limits (2026 data); Fair Market Rents (Fiscal year 2027); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (Retrieved November 6, 2026); FHFA House Price Index (2025 data); Homes with flood insurance (As of August 3, 2026); Regional price parities (2024 data); Census Bureau cartographic boundary files (2024 data).