In Abilene, a typical home is worth $183,700 and typical rent is $1,157 a month. Compared with all of Taylor County, the typical home value is 8% lower and typical household income is 7% lower.
Typical home value from Zillow, September 2021 to September 2026: from $173,199 to $223,853.
Typical rent
$1,988a month
▲ 29.8% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,129 to $1,988.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Abilene is in Taylor County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Taylor County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Breckenridge, the typical home value is $75,900: 59% less than in Abilene ($183,700).
2
According to Zillow, in the 12 months to September 2026 the typical home value in Abilene rose 10%; in Texas, it fell 1.4%.
3
Nearby, in Breckenridge, the typical rent is $839: 27% less than in Abilene ($1,157).
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Abilene
What homes there are in Abilene, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Abilene
Taylor County
Texas
United States
Kind of home: Abilene and its comparisons
Measure
Abilene
Taylor County
Texas
United States
Detached house
69%
71%
64%
61%
Attached house
3%
3%
3%
6%
Building of 2 to 4
8%
7%
5%
8%
Apartments (5 or more)
17%
15%
21%
19%
Mobile home
3%
5%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Abilene, 7 in 10 homes are single-family detached houses, about the same as in Taylor County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Abilene
Taylor County
Texas
United States
Year built: Abilene and its comparisons
Measure
Abilene
Taylor County
Texas
United States
Before 1960
35%
33%
12%
26%
1960–1979
21%
20%
21%
24%
1980–1999
25%
25%
28%
25%
2000–2009
7%
9%
18%
14%
2010 or later
12%
14%
21%
11%
By age, homes in Abilene look like those in Taylor County: the typical year built is 1975.
There are fewer big homes in Abilene than in Taylor County: 62% have 3 bedrooms or more, against 65%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K23%
$100K–$200K31%
$200K–$300K25%
$300K–$500K17%
$500K–$750K3%
FHA limit: $541,287
$750K–$1M1%
$1M or moreUnreliable
Value of owner-occupied homes: Abilene and its comparisons
Measure
Abilene
Under $100K
23%
$100K–$200K
31%
$200K–$300K
25%
$300K–$500K
17%
$500K–$750K
3%
$750K–$1M
1%
$1M or more
Unreliable estimate
The FHA loan limit for Taylor County is $541,287, and about 96% of owner-occupied homes in Abilene are worth less than that.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $5005%
$500–$99929%
$1,000–$1,49943%
HUD fair market rent, 2 bedrooms: $1,310
$1,500–$1,99917%
$2,000–$2,4995%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Abilene and its comparisons
Measure
Abilene
Under $500
5%
$500–$999
29%
$1,000–$1,499
43%
$1,500–$1,999
17%
$2,000–$2,499
5%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
HUD's 2-bedroom fair market rent (FMR) for Taylor County is $1,310: about 60% of rents in Abilene are below it.
With a mortgage
$1,683 a month
Taylor County: $1,746 a month
Without a mortgage
$599 a month
Taylor County: $613 a month
Owners with a mortgage
56%
Taylor County: 56%
The typical cost for an owner with a mortgage in Abilene is $1,683 a month, near the figure in Taylor County ($1,746).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Abilene+53%
Taylor County+60%
Texas+65%
United States+53%
Typical rent
Abilene+25%
Taylor County+25%
Texas+34%
United States+33%
Typical household income
Abilene+24%
Taylor County+26%
Texas+27%
United States+29%
Change since 2015–2019: Abilene and its comparisons
Measure
Abilene
Taylor County
Texas
United States
Typical home value
+53%
+60%
+65%
+53%
Typical rent
+25%
+25%
+34%
+33%
Typical household income
+24%
+26%
+27%
+29%
From 2015–2019 to 2020–2024, the typical home value in Abilene rose 53%; in Taylor County, it rose 60%.
Rents in Abilene rose at about the same pace as in Taylor County: 25% since 2015–2019, against 25%.
While home values in Abilene changed +53% and rent +25%, the typical household income rose 24%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Abilene and its comparisons
Measure
Abilene
Taylor County
Texas
United States
Rental vacancy
3.1%
3.0%
7.7%
5.5%
Homeowner vacancy
1.6%
1.4%
1.1%
0.9%
More than one person per room
2.9%
2.8%
4.8%
3.4%
People per household
2.47
2.53
2.69
2.53
Drive alone
78%
79%
71%
69%
Carpool
10%
9%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
3%
2%
2%
3%
Work from home
8%
8%
14%
15%
Other means
1%
1%
2%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Open rentals in Abilene look like those in Taylor County: the rental vacancy rate is 3.1%.
In Abilene, 2.9% of households live with more than one person per room, about the same as in Taylor County.
By size, households in Abilene look like those in Taylor County: 2.47 people on average.
In Abilene, 78% of workers drive alone to work; in Taylor County, 79%.
Do the math
What would you pay each month for a home in Abilene?
A typical home is tight for the typical income
We start with a typical home in Abilene, worth $183,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Abilene, which is $62,648 a year. For that payment to be 28% of income, a household would need to earn about $68,774 a year.
The calculator's FHA and conventional loan limits are those of all of Taylor County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Abilene. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $6,430 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,605
at 7.18% · 30 years
Loan amount
$180,372
Total interest
$259,513
Paid off in
November 2056
Includes $3,102 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,462 a month
Tight
$1,462 to $1,879 a month
Your payment · 31%
Hard
more than $1,879 a month
Compared with the typical household income in Abilene ($62,648 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,222
Property tax
$225
Home insurance
$77
FHA mortgage insurance (MIP)
$81
You need at least $6,430 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $1,605; principal and interest $1,222.
The city and its county
Abilene and Taylor County
Abilene is in Taylor County, Texas. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Abilene
Map of Taylor County, Texas, with Abilene marked. Around it, the neighboring counties.
Abilene
Taylor County
Abilene's own numbers
Typical home value
$183,700
Typical monthly rent
$1,157
Typical yearly household income
$62,648
Households that own their home
56%
Effective property tax rate
1.47%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Taylor County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,310
Price change over 5 years (FHFA)
+42%
Homes in a high flood-risk zone
17%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Taylor County.
A typical home in Abilene is worth $183,700: 8% below the county and 35% below Texas. With the typical household income in Abilene ($62,648 a year), a typical home costs 2.9 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Abilene2.9 years
Taylor3.0 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Taylor County
According to FHFA’s house price index, home prices in Taylor County rose 72% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Taylor County.
Yearly change in FHFA’s price index in Taylor County, 2016 to 2025
2016: +4.5% +4.5% 2016
2017: +4.0% +4.0% 2017
2018: +4.4% +4.4% 2018
2019: +3.9% +3.9% 2019
2020: +2.9% +2.9% 2020
2021: +10.0% +10.0% 2021
2022: +15.2% +15.2% 2022
2023: +6.9% +6.9% 2023
2024: +1.6% +1.6% 2024
2025: +3.2% +3.2% 2025
Change in FHFA’s price index in Taylor County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+3.2%
+0.8%
+2.9%
5 years (2020–2025)
+42%
+44%
+47%
10 years (2015–2025)
+72%
+88%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Abilene next to Taylor County, Texas and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Abilene$183,700
Taylor$198,600
Texas$283,800
United States$332,700
Typical monthly rent
Abilene$1,157
Taylor$1,159
Texas$1,403
United States$1,413
Typical yearly household income
Abilene$62,648
Taylor$67,139
Texas$78,476
United States$80,734
See the full table
Abilene next to Taylor County and Texas
Measure
Abilene
Taylor County
Texas
U.S.
Typical home value
$183,700 ▼8% below the county
$198,600
$283,800
$332,700
Typical monthly rent
$1,157
$1,159
$1,403
$1,413
Typical yearly household income
$62,648 ▼7% below the county
$67,139
$78,476
$80,734
Households that own their home
56% ▼4 points below the county
61%
63%
65%
Typical yearly property tax
$2,699
$2,728
$4,232
$3,119
Effective property tax rate
1.47% ▲0.1 points above the county
1.37%
1.49%
0.94%
Renters with high rent for their income
53% ▲1 points above the county
52%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Taylor County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Abilene
For a typical $183,700 home in Abilene, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Abilene's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,605a month
Least cash to close
Down payment
$6,430
Cash to close
$11,941
Rate
7.18%
Mortgage insurance
FHA MIP · $81
Conventional, 5% down$1,571a month
Down payment
$9,185
Cash to close
$14,696
Rate
7.18%
Mortgage insurance
PMI · $87
Conventional, 20% down, no PMI$1,297a month
Down payment
$36,740
Cash to close
$42,251
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,467a month
Down payment
$27,555
Cash to close
$33,066
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Abilene
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,605
$6,430
$180,373
7.18%
FHA MIP · $81
$11,941
580
Conventional, 5% down
$1,571
$9,185
$174,515
7.18%
PMI · $87
$14,696
620*
Conventional, 20% down, no PMI
$1,297
$36,740
$146,960
7.18%
None
$42,251
620*
ITIN, 15% down (example)
$1,467
$27,555
$156,145
8.18%
None
$33,066
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Abilene is $1,157 a month: about the same as the county. In Abilene, 53% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Taylor County, by unit size. To pay the 2-bedroom one ($1,310 a month) without spending more than 30% of your income, you would need to earn $25.19 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Taylor County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$958
$18.42
$38,320
1 bedroom
$1,047
$20.13
$41,880
2 bedrooms
$1,310
$25.19
$52,400
3 bedrooms
$1,702
$32.73
$68,080
4 bedrooms
$2,013
$38.71
$80,520
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Abilene
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Abilene has 5 ZIP codes with their own.
For 2 bedrooms it runs from $1,180 in 79601 to $1,600 in 79607.
2 of the 5 are above the fair market rent for Taylor County ($1,310).
2-bedroom fair market rent in each of the 5 ZIP codes of Abilene, beside the one for Taylor County. For 2 bedrooms it runs from $1,180 in 79601 to $1,600 in 79607. 2 of the 5 are above the fair market rent for Taylor County ($1,310).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,310
Lowest: $1,180 (79601)Highest: $1,600 (79607)
Fair market rent by ZIP code and size in Abilene, fiscal year 2027.
79601
$910
$940
$1,180
$1,540
$1,820
79602
$970
$1,050
$1,320
$1,710
$2,030
79605
$980
$1,030
$1,290
$1,680
$1,980
79607
$1,170
$1,280
$1,600
$2,080
$2,460
79699
$910
$940
$1,180
$1,540
$1,820
ZIP code2 bd3 bd
79601 $1,180$1,540
79602 $1,320$1,710
79605 $1,290$1,680
79607 $1,600$2,080
79699 $1,180$1,540
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Abilene when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 16 buildings with rents for lower incomes in Abilene. These are the largest.
Canterbury Crossing Apts1250 Yeomans Rd, Abilene 79602304 low-income homes · 1 bd: 96 · 2 bd: 108 · 3 bd: 100 · In service since 1996
Sunset Arbor Townhomes3033 W Lake Rd, Abilene 79601220 low-income homes · In service since 2002
Rebecca Lane3001 N 6th St, Abilene 79603213 low-income homes · Run by Housing Authority of the City of Abilene · Average payment: $421 a month · Average wait: 25 months(325) 676-6385
Tylor Grand3702 Rolling Green Dr, Abilene 79606120 low-income homes · In service since 2013
Summit at Abilene North Apartments2412/2410 Mimosa, Abilene 79603130 homes, 101 low-income · For families(325) 672-9851
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in Taylor County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Abilene or Taylor County. The ones below are statewide in Texas: they work in Abilene the same as in the rest of the state.
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).
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).
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).
No legal help resource on our list is for Abilene or Taylor County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Abilene and all of Taylor County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Abilene?
The typical home value in Abilene is $183,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Taylor County it is $198,600.
How much does it cost to rent in Abilene?
Typical rent in Abilene is $1,157 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Taylor County is $1,310.
What is the FHA loan limit in Abilene?
Abilene uses the FHA limit for all of Taylor County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Abilene?
The typical homeowner in Abilene pays $2,699 a year, according to the U.S. Census Bureau. That is 1.47% of the home’s value; in Taylor County, the rate is 1.37%.
Where can I find free help to buy or rent in Abilene?
We found no HUD-approved counseling agencies with an office in Taylor County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
