In Andrews, a typical home is worth $196,300 and typical rent is $1,350 a month. Home values, rent and income are very close to those of all of Andrews County.
Typical home value from Zillow, September 2021 to September 2026: from $239,228 to $263,711.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Andrews is in Andrews 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 Andrews County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Lamesa, the typical home value is $95,000: 52% less than in Andrews ($196,300).
2
According to Zillow, in the 12 months to September 2026 the typical home value in Andrews rose 6.9%; in Texas, it fell 1.4%.
3
Nearby, in Lamesa, the typical rent is $813: 40% less than in Andrews ($1,350).
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Andrews
What homes there are in Andrews, 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
Andrews
Andrews County
Texas
United States
Kind of home: Andrews and its comparisons
Measure
Andrews
Andrews County
Texas
United States
Detached house
77%
69%
64%
61%
Attached house
Unreliable estimate
Unreliable estimate
3%
6%
Building of 2 to 4
Unreliable estimate
Unreliable estimate
5%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
21%
19%
Mobile home
12%
22%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses, standing on their own, make up 77% of homes here, against 69% in Andrews County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Andrews
Andrews County
Texas
United States
Year built: Andrews and its comparisons
Measure
Andrews
Andrews County
Texas
United States
Before 1960
27%
21%
12%
26%
1960–1979
29%
24%
21%
24%
1980–1999
22%
25%
28%
25%
2000–2009
5%
7%
18%
14%
2010 or later
17%
23%
21%
11%
The typical home in Andrews was built in 1976, 7 years before the typical one in Andrews County.
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 $100K13%
$100K–$200K39%
$200K–$300K28%
$300K–$500K17%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Andrews and its comparisons
Measure
Andrews
Under $100K
13%
$100K–$200K
39%
$200K–$300K
28%
$300K–$500K
17%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
At least 98% of owner-occupied homes in Andrews are worth less than $500,000, below the FHA loan limit for Andrews County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99935%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Andrews and its comparisons
Measure
Andrews
Under $500
Unreliable estimate
$500–$999
35%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,834 a month
Andrews County: $1,882 a month
Without a mortgage
$578 a month
Andrews County: $544 a month
Owners with a mortgage
48%
Andrews County: 45%
Owning costs about the same in Andrews as in Andrews County: with a mortgage, $1,834 a month; without one, $578.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Andrews+33%
Andrews County+36%
Texas+65%
United States+53%
Typical rent
Andrews+30%
Andrews County+27%
Texas+34%
United States+33%
Typical household income
AndrewsNo clear change
Andrews CountyNo clear change
Texas+27%
United States+29%
Change since 2015–2019: Andrews and its comparisons
Measure
Andrews
Andrews County
Texas
United States
Typical home value
+33%
+36%
+65%
+53%
Typical rent
+30%
+27%
+34%
+33%
Typical household income
No clear change
No clear change
+27%
+29%
Much as in Andrews County, the typical home value in Andrews rose 33% since 2015–2019.
The typical rent in Andrews rose 30% since 2015–2019, about the same as in Andrews County (27%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Andrews and its comparisons
Measure
Andrews
Andrews County
Texas
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
4.0%
4.8%
3.4%
People per household
2.66
2.69
2.69
2.53
Drive alone
88%
85%
71%
69%
Carpool
7%
10%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
2%
3%
Work from home
Unreliable estimate
Unreliable estimate
14%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
By size, households in Andrews look like those in Andrews County: 2.66 people on average.
The car rules in Andrews: 88% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.
Do the math
What would you pay each month for a home in Andrews?
A typical home is within reach of the typical income
We start with a typical home in Andrews, worth $196,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 28% of the typical household income in Andrews, which is $73,690 a year.
The calculator's FHA and conventional loan limits are those of all of Andrews 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 Andrews. 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 $6,871 (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
$1,697
at 7.18% · 30 years
Loan amount
$192,744
Total interest
$277,313
Paid off in
November 2056
Includes $3,315 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,719 a month
Your payment · 28%
Tight
$1,719 to $2,211 a month
Hard
more than $2,211 a month
Compared with the typical household income in Andrews ($73,690 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,306
Property tax
$223
Home insurance
$82
FHA mortgage insurance (MIP)
$87
You need at least $6,871 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 $1,697; principal and interest $1,306.
The city and its county
Andrews and Andrews County
Andrews is in Andrews 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).
Andrews
Map of Andrews County, Texas, with Andrews marked. Around it, the neighboring counties.
Andrews
Andrews County
Other cities with a page
Andrews's own numbers
Typical home value
$196,300
Typical monthly rent
$1,350
Typical yearly household income
$73,690
Households that own their home
77%
Effective property tax rate
1.36%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Andrews County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,325
Price change over 5 years (FHFA)
+33%
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 Andrews County.
A typical home in Andrews is worth $196,300: about the same as the county and 31% below Texas. With the typical household income in Andrews ($73,690 a year), a typical home costs 2.7 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.
Andrews2.7 years
County2.7 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Andrews County
According to FHFA’s house price index, home prices in Andrews County rose 58% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Andrews County.
Yearly change in FHFA’s price index in Andrews County, 2016 to 2025
2016: +1.4% +1.4% 2016
2017: −0.5% −0.5% 2017
2018: +2.3% +2.3% 2018
2019: +9.8% +9.8% 2019
2020: +4.4% +4.4% 2020
2021: +2.4% +2.4% 2021
2022: +6.6% +6.6% 2022
2023: +3.1% +3.1% 2023
2024: +7.3% +7.3% 2024
2025: +10.3% +10.3% 2025
Change in FHFA’s price index in Andrews County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+10.3%
+0.8%
+2.9%
5 years (2020–2025)
+33%
+44%
+47%
10 years (2015–2025)
+58%
+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
Andrews next to Andrews 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
Andrews$196,300
County$195,700
Texas$283,800
United States$332,700
Typical monthly rent
Andrews$1,350
County$1,305
Texas$1,403
United States$1,413
Typical yearly household income
Andrews$73,690
County$72,242
Texas$78,476
United States$80,734
See the full table
Andrews next to Andrews County and Texas
Measure
Andrews
Andrews County
Texas
U.S.
Typical home value
$196,300
$195,700
$283,800
$332,700
Typical monthly rent
$1,350 ▲3% above the county
$1,305
$1,403
$1,413
Typical yearly household income
$73,690 ▲2% above the county
$72,242
$78,476
$80,734
Households that own their home
77% ▼2 points below the county
79%
63%
65%
Typical yearly property tax
$2,665 ▲6% above the county
$2,509
$4,232
$3,119
Effective property tax rate
1.36% ▲0.08 points above the county
1.28%
1.49%
0.94%
Renters with high rent for their income
42% ▲4 points above the county
38%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Andrews 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 Andrews
For a typical $196,300 home in Andrews, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Andrews's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,697a month
Least cash to close
Down payment
$6,871
Cash to close
$12,760
Rate
7.18%
Mortgage insurance
FHA MIP · $87
Conventional, 5% down$1,661a month
Down payment
$9,815
Cash to close
$15,704
Rate
7.18%
Mortgage insurance
PMI · $93
Conventional, 20% down, no PMI$1,368a month
Down payment
$39,260
Cash to close
$45,149
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,550a month
Down payment
$29,445
Cash to close
$35,334
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Andrews
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,697
$6,871
$192,745
7.18%
FHA MIP · $87
$12,760
580
Conventional, 5% down
$1,661
$9,815
$186,485
7.18%
PMI · $93
$15,704
620*
Conventional, 20% down, no PMI
$1,368
$39,260
$157,040
7.18%
None
$45,149
620*
ITIN, 15% down (example)
$1,550
$29,445
$166,855
8.18%
None
$35,334
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 Andrews is $1,350 a month: 3% above the county. In Andrews, 42% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Andrews County, by unit size. To pay the 2-bedroom one ($1,325 a month) without spending more than 30% of your income, you would need to earn $25.48 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 Andrews County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,007
$19.37
$40,280
1 bedroom
$1,217
$23.40
$48,680
2 bedrooms
$1,325
$25.48
$53,000
3 bedrooms
$1,712
$32.92
$68,480
4 bedrooms
$1,909
$36.71
$76,360
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 Andrews
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Andrews is in ZIP code 79714.
For 2 bedrooms it is $1,330: $5 more than the fair market rent for Andrews County ($1,325).
Fair market rent by ZIP code and size in Andrews, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
79714
$1,010
$1,220
$1,330
$1,720
$1,920
ZIP code2 bd3 bd
79714 $1,330$1,720
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Andrews 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 2 buildings with rents for lower incomes in Andrews. These are the largest.
Avenue CommonsNWC of Se Ave E and Se Mustang DR, Andrews 7971460 homes, 50 low-income · For older adults, people with disabilities, families, people experiencing homelessness
Andrews Manor1205 NE Mustang Dr, Andrews 7971424 low-income homes · 1 bd: 24 · In service since 1995
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 Andrews 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 Andrews or Andrews County. The ones below are statewide in Texas: they work in Andrews 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 Andrews or Andrews 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 Andrews and all of Andrews 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 Andrews?
The typical home value in Andrews is $196,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Andrews County it is $195,700.
How much does it cost to rent in Andrews?
Typical rent in Andrews is $1,350 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Andrews County is $1,325.
What is the FHA loan limit in Andrews?
Andrews uses the FHA limit for all of Andrews 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 Andrews?
The typical homeowner in Andrews pays $2,665 a year, according to the U.S. Census Bureau. That is 1.36% of the home’s value; in Andrews County, the rate is 1.28%.
Where can I find free help to buy or rent in Andrews?
We found no HUD-approved counseling agencies with an office in Andrews County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
