In Austin, a typical home is worth $555,300 and typical rent is $1,729 a month. Compared with all of Travis County, the typical home value is 6% higher, typical household income is 6% lower, and the share of households that own their home is 9 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $580,342 to $491,960.
Typical rent
$1,571a month
= about the same as 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,647 to $1,571.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Austin is in Travis County. The FHA loan limit ($571,550 for a one-unit home), the fair market rents and the help on this page are those of all of Travis County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Hornsby Bend, the typical home value is $314,900: 43% less than in Austin ($555,300).
2
Austin has the 21st lowest homeownership rate of the 426 cities in Texas with more than 5,000 people (43%).
3
Austin has the 33rd highest typical home value of the 422 cities in Texas with more than 5,000 people ($555,300).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Austin
What homes there are in Austin, 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
Austin
Travis County
Texas
United States
Kind of home: Austin and its comparisons
Measure
Austin
Travis County
Texas
United States
Detached house
43%
52%
64%
61%
Attached house
5%
4%
3%
6%
Building of 2 to 4
7%
6%
5%
8%
Apartments (5 or more)
43%
35%
21%
19%
Mobile home
1%
3%
6%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
Homes in Austin are varied: detached houses are the largest group, at 43%, against 52% in Travis County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Austin
Travis County
Texas
United States
Year built: Austin and its comparisons
Measure
Austin
Travis County
Texas
United States
Before 1960
8%
7%
12%
26%
1960–1979
20%
17%
21%
24%
1980–1999
29%
28%
28%
25%
2000–2009
17%
19%
18%
14%
2010 or later
26%
29%
21%
11%
Homes in Austin are older: the typical year built is 1994; in Travis County, 1999.
Homes in Austin are smaller: 44% have 3 bedrooms or more; in Travis County, 53%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K3%
$100K–$200K2%
$200K–$300K8%
$300K–$500K31%
$500K–$750K28%
FHA limit: $571,550
$750K–$1M14%
$1M or more14%
Value of owner-occupied homes: Austin and its comparisons
Measure
Austin
Under $100K
3%
$100K–$200K
2%
$200K–$300K
8%
$300K–$500K
31%
$500K–$750K
28%
$750K–$1M
14%
$1M or more
14%
About 52% of owner-occupied homes in Austin are worth less than the FHA loan limit for Travis County ($571,550); the rest are worth more.
Monthly rent with utilities
Under the limitOver the limit
Under $5002%
$500–$9994%
$1,000–$1,49928%
$1,500–$1,99936%
HUD fair market rent, 2 bedrooms: $1,817
$2,000–$2,49917%
$2,500–$2,9997%
$3,000 or more6%
Monthly rent with utilities: Austin and its comparisons
Measure
Austin
Under $500
2%
$500–$999
4%
$1,000–$1,499
28%
$1,500–$1,999
36%
$2,000–$2,499
17%
$2,500–$2,999
7%
$3,000 or more
6%
Measured against HUD's 2-bedroom fair market rent ($1,817), about 56% of rented homes in Austin cost less.
With a mortgage
$2,679 a month
Travis County: $2,634 a month
Without a mortgage
$1,034 a month
Travis County: $1,019 a month
Owners with a mortgage
66%
Travis County: 67%
In Austin, 66% of owners have a mortgage; their typical cost is $2,679 a month, about the same as in Travis County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Austin+65%
Travis County+61%
Texas+65%
United States+53%
Typical rent
Austin+35%
Travis County+35%
Texas+34%
United States+33%
Typical household income
Austin+31%
Travis County+31%
Texas+27%
United States+29%
Change since 2015–2019: Austin and its comparisons
Measure
Austin
Travis County
Texas
United States
Typical home value
+65%
+61%
+65%
+53%
Typical rent
+35%
+35%
+34%
+33%
Typical household income
+31%
+31%
+27%
+29%
The typical home value in Austin rose 65% since 2015–2019, more than in Travis County (61%).
Much as in Travis County, the typical rent in Austin rose 35% since 2015–2019.
Housing prices ran ahead of income in Austin: typical income rose 31%, against +65% for home values and +35% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Austin and its comparisons
Measure
Austin
Travis County
Texas
United States
Rental vacancy
4.5%
4.6%
7.7%
5.5%
Homeowner vacancy
0.9%
0.8%
1.1%
0.9%
More than one person per room
3.9%
3.8%
4.8%
3.4%
People per household
2.10
2.23
2.69
2.53
Drive alone
56%
57%
71%
69%
Carpool
6%
7%
10%
9%
Public transit
2%
2%
1%
3%
Walk or bike
3%
3%
2%
3%
Work from home
31%
30%
14%
15%
Other means
2%
2%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
In Austin, the rental vacancy rate is 4.5%, about the same as in Travis County.
Much as in Travis County, 3.9% of households in Austin have more than one person per room.
On average, a household in Austin has 2.10 people, fewer than in Travis County (2.23).
In Austin, 56% of workers drive alone to work; in Travis County, 57%.
Do the math
What would you pay each month for a home in Austin?
A typical home costs more than the typical income allows
We start with a typical home in Austin, worth $555,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 62% of the typical household income in Austin, which is $93,658 a year. For that payment to be 28% of income, a household would need to earn about $207,300 a year.
The calculator's FHA and conventional loan limits are those of all of Travis 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 Austin. 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 $19,436 (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
$4,837
at 7.18% · 30 years
Loan amount
$545,242
Total interest
$784,475
Paid off in
November 2056
Includes $9,378 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,185 a month
Tight
$2,185 to $2,810 a month
Hard
more than $2,810 a month
Your payment · 62%
Compared with the typical household income in Austin ($93,658 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,694
Property tax
$666
Home insurance
$231
FHA mortgage insurance (MIP)
$246
You need at least $19,436 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 $4,837; principal and interest $3,694.
The city and its county
Austin and Travis County
Austin is in Travis 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).
Austin
Map of Travis County, Texas, with Austin marked. Around it, the neighboring counties.
Austin
Travis County
Other cities with a page
Austin's own numbers
Typical home value
$555,300
Typical monthly rent
$1,729
Typical yearly household income
$93,658
Households that own their home
43%
Effective property tax rate
1.44%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Travis County
FHA limit, one-unit home
$571,550
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,817
Price change over 5 years (FHFA)
+32%
Homes in a high flood-risk zone
2%
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 Travis County.
A typical home in Austin is worth $555,300: 6% above the county and 96% above Texas. With the typical household income in Austin ($93,658 a year), a typical home costs 5.9 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.
Austin5.9 years
Travis5.3 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Travis County
According to FHFA’s house price index, home prices in Travis County rose 83% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Travis County.
Yearly change in FHFA’s price index in Travis County, 2016 to 2025
2016: +8.5% +8.5% 2016
2017: +7.2% +7.2% 2017
2018: +6.2% +6.2% 2018
2019: +6.6% +6.6% 2019
2020: +5.4% +5.4% 2020
2021: +20.2% +20.2% 2021
2022: +21.6% +21.6% 2022
2023: −6.7% −6.7% 2023
2024: −1.8% −1.8% 2024
2025: −1.7% −1.7% 2025
Change in FHFA’s price index in Travis County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
−1.7%
+0.8%
+2.9%
5 years (2020–2025)
+32%
+44%
+47%
10 years (2015–2025)
+83%
+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
Austin next to Travis 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
Austin$555,300
Travis$523,000
Texas$283,800
United States$332,700
Typical monthly rent
Austin$1,729
Travis$1,744
Texas$1,403
United States$1,413
Typical yearly household income
Austin$93,658
Travis$99,611
Texas$78,476
United States$80,734
See the full table
Austin next to Travis County and Texas
Measure
Austin
Travis County
Texas
U.S.
Typical home value
$555,300 ▲6% above the county
$523,000
$283,800
$332,700
Typical monthly rent
$1,729
$1,744
$1,403
$1,413
Typical yearly household income
$93,658 ▼6% below the county
$99,611
$78,476
$80,734
Households that own their home
43% ▼9 points below the county
52%
63%
65%
Typical yearly property tax
$8,024 ▲4% above the county
$7,727
$4,232
$3,119
Effective property tax rate
1.44% ▼0.04 points below the county
1.48%
1.49%
0.94%
Renters with high rent for their income
48% ▼1 points below the county
48%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Travis 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 Austin
For a typical $555,300 home in Austin, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Austin's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$4,837a month
Least cash to close
Down payment
$19,436
Cash to close
$36,095
Rate
7.18%
Mortgage insurance
FHA MIP · $246
Conventional, 5% down$4,735a month
Down payment
$27,765
Cash to close
$44,424
Rate
7.18%
Mortgage insurance
PMI · $264
Conventional, 20% down, no PMI$3,907a month
Down payment
$111,060
Cash to close
$127,719
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$4,421a month
Down payment
$83,295
Cash to close
$99,954
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Austin
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$4,837
$19,436
$545,242
7.18%
FHA MIP · $246
$36,095
580
Conventional, 5% down
$4,735
$27,765
$527,535
7.18%
PMI · $264
$44,424
620*
Conventional, 20% down, no PMI
$3,907
$111,060
$444,240
7.18%
None
$127,719
620*
ITIN, 15% down (example)
$4,421
$83,295
$472,005
8.18%
None
$99,954
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 Austin is $1,729 a month: about the same as the county. In Austin, 48% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Travis County, by unit size. To pay the 2-bedroom one ($1,817 a month) without spending more than 30% of your income, you would need to earn $34.94 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 Travis County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,447
$27.83
$57,880
1 bedroom
$1,530
$29.42
$61,200
2 bedrooms
$1,817
$34.94
$72,680
3 bedrooms
$2,292
$44.08
$91,680
4 bedrooms
$2,689
$51.71
$107,560
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 Austin
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Austin has 32 ZIP codes with their own.
For 2 bedrooms it runs from $1,670 in 78752 to $2,730 in 78739.
22 of the 32 are above the fair market rent for Travis County ($1,817).
2-bedroom fair market rent in each of the 32 ZIP codes of Austin, beside the one for Travis County. For 2 bedrooms it runs from $1,670 in 78752 to $2,730 in 78739. 22 of the 32 are above the fair market rent for Travis County ($1,817).
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: $1,817
Lowest: $1,670 (78752)Highest: $2,730 (78739)
Fair market rent by ZIP code and size in Austin, fiscal year 2027.
78701
$2,170
$2,300
$2,730
$3,440
$4,040
78702
$1,940
$2,050
$2,440
$3,080
$3,610
78703
$1,940
$2,050
$2,440
$3,080
$3,610
78704
$1,630
$1,730
$2,050
$2,590
$3,030
78705
$1,490
$1,570
$1,870
$2,360
$2,770
78712
$1,630
$1,720
$2,050
$2,590
$3,040
78717
$1,580
$1,670
$1,980
$2,500
$2,930
78721
$1,440
$1,520
$1,810
$2,280
$2,680
78722
$1,620
$1,720
$2,040
$2,570
$3,020
78723
$1,390
$1,470
$1,740
$2,190
$2,580
78724
$1,340
$1,410
$1,680
$2,120
$2,490
78726
$1,470
$1,550
$1,840
$2,320
$2,720
78727
$1,660
$1,750
$2,080
$2,620
$3,080
78729
$1,460
$1,540
$1,830
$2,310
$2,710
78730
$1,510
$1,600
$1,900
$2,400
$2,810
78731
$1,420
$1,500
$1,780
$2,250
$2,630
78735
$1,700
$1,790
$2,130
$2,690
$3,150
78739
$2,170
$2,300
$2,730
$3,440
$4,040
78741
$1,430
$1,510
$1,790
$2,260
$2,650
78744
$1,350
$1,430
$1,700
$2,140
$2,520
78745
$1,510
$1,590
$1,890
$2,380
$2,800
78748
$1,520
$1,610
$1,910
$2,410
$2,830
78749
$1,640
$1,730
$2,060
$2,600
$3,050
78750
$1,530
$1,620
$1,920
$2,420
$2,840
78751
$1,750
$1,850
$2,200
$2,770
$3,260
78752
$1,330
$1,410
$1,670
$2,120
$2,490
78753
$1,370
$1,450
$1,720
$2,170
$2,550
78754
$1,470
$1,550
$1,840
$2,320
$2,720
78756
$1,330
$1,410
$1,670
$2,120
$2,490
78757
$1,430
$1,510
$1,790
$2,260
$2,650
78758
$1,480
$1,570
$1,860
$2,350
$2,750
78759
$1,600
$1,690
$2,010
$2,540
$2,970
ZIP code2 bd3 bd
78701 $2,730$3,440
78702 $2,440$3,080
78703 $2,440$3,080
78704 $2,050$2,590
78705 $1,870$2,360
78712 $2,050$2,590
78717 $1,980$2,500
78721 $1,810$2,280
78722 $2,040$2,570
78723 $1,740$2,190
78724 $1,680$2,120
78726 $1,840$2,320
78727 $2,080$2,620
78729 $1,830$2,310
78730 $1,900$2,400
78731 $1,780$2,250
78735 $2,130$2,690
78739 $2,730$3,440
78741 $1,790$2,260
78744 $1,700$2,140
78745 $1,890$2,380
78748 $1,910$2,410
78749 $2,060$2,600
78750 $1,920$2,420
78751 $2,200$2,770
78752 $1,670$2,120
78753 $1,720$2,170
78754 $1,840$2,320
78756 $1,670$2,120
78757 $1,790$2,260
78758 $1,860$2,350
78759 $2,010$2,540
12 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Austin 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 197 buildings with rents for lower incomes in Austin. These are the largest.
Malibu Apts8600 N Lamar Blvd, Austin 78753476 low-income homes · Studio: 276 · 1 bd: 112 · 2 bd: 88
Silver Springs Apts12151 N Interstate 35, Austin 78753360 low-income homes · 1 bd: 36 · 2 bd: 180 · 3 bd: 120 · 4 bd: 24 · In service since 1997 · For people with disabilities
Bridge at Harris Ridge1501 E Howard Ln, Austin 78753324 low-income homes · 1 bd: 12 · 2 bd: 132 · 3 bd: 144 · 4 bd: 36 · For older adults, people with disabilities, families, people experiencing homelessness(512) 271-5677
Terrace at Walnut Creek8712 Old Manor Rd, Austin 78724324 low-income homes · 1 bd: 14 · 2 bd: 162 · 3 bd: 136 · 4 bd: 12 · In service since 2017 · For older adults, people with disabilities, families, people experiencing homelessness
Wildhorse FlatsWildhorse Ranch Trail-Se of Hwy 290 & Hwy 130, Austin 78653310 low-income homes · For older adults, people with disabilities, families, people experiencing homelessness
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.
There are 3 HUD-approved agencies with an office in Travis County; 3 say they serve in Spanish.
1 program is for Austin or Travis County, by its own record: they come first, each with what its official page says about being open. The ones below are statewide in Texas: they work in Austin the same as in the rest of the state.
City of Austin program against eviction; its page says direct rent help closed and that it now pays settlements negotiated with the landlord through legal aid.Offered by City of Austin, Austin Housing.
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).
No legal help resource on our list is for Austin or Travis 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 Austin and all of Travis 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 Austin?
The typical home value in Austin is $555,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Travis County it is $523,000.
How much does it cost to rent in Austin?
Typical rent in Austin is $1,729 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Travis County is $1,817.
What is the FHA loan limit in Austin?
Austin uses the FHA limit for all of Travis County (2026): $571,550 for a one-unit home and $1,099,150 for a four-unit home.
How much property tax do owners pay in Austin?
The typical homeowner in Austin pays $8,024 a year, according to the U.S. Census Bureau. That is 1.44% of the home’s value; in Travis County, the rate is 1.48%.
Where can I find free help to buy or rent in Austin?
There are 3 HUD-approved counseling agencies with an office in Travis County. 3 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
