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City · 9,541 residents · Galveston County, Texas

Bacliff , Texas

In Bacliff, a typical home is worth $201,500 and typical rent is $1,498 a month. Compared with all of Galveston County, typical household income is 40% lower, the typical home value is 36% lower, and the share of households that own their home is 6 points lower.

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  • Typical home value

    $201,500

    36% below the county

    29% below Texas

    • Bacliff
    • Galveston
    • Texas

  • Typical rent

    $1,498a month

    7% above the county

    7% above Texas

    • Bacliff
    • Galveston
    • Texas

  • Typical household income

    $51,458a year

    40% below the county

    34% below Texas

    • Bacliff
    • Galveston
    • Texas

  • Households that own their home

    62%

    6 points below the county

    1 points below Texas

    • Bacliff
    • Galveston
    • Texas

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$213,871
about the same as 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Bacliff is in Galveston 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 Galveston County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Bacliff apart

What this place has that others do not, from public data, most unusual first.

  1. The typical household income in Bacliff is $51,458, 40% less than in Galveston County as a whole ($86,105).

  2. Nearby, in San Leon, the typical rent is $989: 34% less than in Bacliff ($1,498).

  3. The typical home in Bacliff is worth $201,500, 36% less than in Galveston County as a whole ($314,600).

  4. 62% of households in Bacliff own their home, against 68% in Galveston County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Bacliff

What homes there are in Bacliff, 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

In Bacliff, 7 in 10 homes are single-family detached houses; in Galveston County, 7.

There are more mobile homes here than in Galveston County: 24% of homes, against 4%.

Year built

In Bacliff, half of the homes were built before 1990; in Galveston County, before 1990.

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
Monthly rent with utilities

With a mortgage

$1,800 a month

Galveston County: $2,245 a month

Without a mortgage

$577 a month

Galveston County: $824 a month

Owners with a mortgage

45%

Galveston County: 57%

The typical cost for an owner with a mortgage in Bacliff is $1,800 a month, less than in Galveston County ($2,245); without one, $577.

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

Bacliff does not have the same boundaries as in 2015–2019: that is why there is no change to compare. For reference, in Galveston County the typical home value rose 58%.

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

MeasureBacliffGalveston CountyTexasUnited States
Rental vacancy Unreliable estimate8.9%7.7%5.5%
Homeowner vacancy Unreliable estimate1.5%1.1%0.9%
More than one person per room 10.5%3.1%4.8%3.4%
People per household 2.612.512.692.53
Drive alone 77%77%71%69%
Carpool 11%7%10%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 7%12%14%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Bacliff, 10.5% of households live with more than one person per room, against 3.1% in Galveston County.

A household in Bacliff has 2.61 people on average, about the same as in Galveston County (2.51).

Carpooling is common in Bacliff: 11% of workers get to work that way, against 7% in Galveston County.

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

Do the math

What would you pay each month for a home in Bacliff?

A typical home costs more than the typical income allows

We start with a typical home in Bacliff, worth $201,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in Bacliff, which is $51,458 a year. For that payment to be 28% of income, a household would need to earn about $71,696 a year.

The calculator's FHA and conventional loan limits are those of all of Galveston County.

Your numbers

Local data
$

Starts at the typical home value in Bacliff. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $7,053 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,673

at 7.18% · 30 years

Loan amount
$197,850
Total interest
$284,659
Paid off in
November 2056

Includes $3,403 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,201 a month

  • Tight

    $1,201 to $1,544 a month

  • Hard

    more than $1,544 a month

    Your payment · 39%

Compared with the typical household income in Bacliff ($51,458 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,673
Principal & interest$1,340
Property tax$160
Home insurance$84
FHA mortgage insurance (MIP)$89

You need at least $7,053 for the down payment, plus closing costs.

Next step

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.

The city and its county

Bacliff and Galveston County

Bacliff is in Galveston 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).

Bacliff's own numbers

Typical home value
$201,500
Typical monthly rent
$1,498
Typical yearly household income
$51,458
Households that own their home
62%
Effective property tax rate
0.95%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Galveston County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,497
Price change over 5 years (FHFA)
+43%
Homes in a high flood-risk zone
35%

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 Galveston County.

Everything about Galveston County

Buying

Buying a home in Bacliff

A typical home in Bacliff is worth $201,500: 36% below the county and 29% below Texas. With the typical household income in Bacliff ($51,458 a year), a typical home costs 3.9 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.

  • Bacliff 3.9 years
  • Galveston 3.7 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Galveston County

According to FHFA’s house price index, home prices in Galveston County rose 93% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Galveston County.

Period County Texas U.S.
Last year (2025) +1.7% +0.8% +2.9%
5 years (2020–2025) +43% +44% +47%
10 years (2015–2025) +93% +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

Bacliff next to Galveston 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
  • Bacliff $201,500
  • Galveston $314,600
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Bacliff $1,498
  • Galveston $1,404
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Bacliff $51,458
  • Galveston $86,105
  • Texas $78,476
  • United States $80,734
See the full table
Bacliff next to Galveston County and Texas
Measure Bacliff Galveston County Texas U.S.
Typical home value $201,500 $314,600 $283,800 $332,700
Typical monthly rent $1,498 $1,404 $1,403 $1,413
Typical yearly household income $51,458 $86,105 $78,476 $80,734
Households that own their home 62% 68% 63% 65%
Typical yearly property tax $1,913 $4,442 $4,232 $3,119
Effective property tax rate 0.95% 1.41% 1.49% 0.94%
Renters with high rent for their income 64% 55% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Galveston 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 Bacliff

For a typical $201,500 home in Bacliff, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bacliff's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,673a month

    Least cash to close
    Down payment
    $7,053
    Cash to close
    $13,098
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $89

  • Conventional, 5% down $1,636a month

    Down payment
    $10,075
    Cash to close
    $16,120
    Rate
    7.18%
    Mortgage insurance
    PMI · $96

  • Conventional, 20% down, no PMI $1,336a month

    Down payment
    $40,300
    Cash to close
    $46,345
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,522a month

    Down payment
    $30,225
    Cash to close
    $36,270
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Bacliff and for Galveston County.

Property tax

Effective rate in Bacliff

0.95%of the home’s value each year

$1,913 a year for the typical owner in Bacliff.

  • Bacliff 0.95%
  • Galveston 1.41%
  • Texas 1.49%

What Texas publishes School-district homestead exemption (Texas Comptroller of Public Accounts)

Exemptions and deadlines in Texas

Flood risk in Galveston County

FEMA does not publish these numbers by city: they are for all of Galveston County.

Homes in the high-risk zone
35%
43,982
Of those, with NFIP insurance
66%
County Texas U.S.
Homes in the high-risk zone 35% 4.1% 3.5%
Of those, with NFIP insurance 66% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Bacliff

Typical rent in Bacliff is $1,498 a month: 7% above the county. In Bacliff, 64% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Galveston County, by unit size. To pay the 2-bedroom one ($1,497 a month) without spending more than 30% of your income, you would need to earn $28.79 an hour working full time.

HUD fair market rent for all of Galveston County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,233 $23.71 $49,320
1 bedroom $1,261 $24.25 $50,440
2 bedrooms $1,497 $28.79 $59,880
3 bedrooms $2,017 $38.79 $80,680
4 bedrooms $2,502 $48.12 $100,080

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 Bacliff

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Bacliff is in ZIP code 77518.

For 2 bedrooms it is $1,420: $77 less than the fair market rent for Galveston County ($1,497).

  • 77518 $1,420$1,910

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Bacliff 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Bacliff

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 Galveston County. The nearest ones are below; many serve by phone or online.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Bacliff

No down payment, repair or rent-help program on our list is for Bacliff or Galveston County. The ones below are statewide in Texas: they work in Bacliff the same as in the rest of the state.

Which programs do I qualify for? All programs in Texas

  • My First Texas Home

    Statewide in Texas

    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

    See the program Official page

  • My Choice Texas Home

    Statewide in Texas

    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

    See the program Official page

  • Texas Mortgage Credit Certificate (MCC)

    Statewide in Texas

    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

    See the program Official page

Housing counselors near Bacliff

The HUD-approved agencies closest to the center of Bacliff, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Keystone Community Development Corporation

    309 W X St, Deer Park · 15 miles away

    • Budget and financial counseling
    • Pre-purchase counseling
    • and 1 more
    (281) 476-3592

  • Tejano Center for Community Concerns

    1062 Fairmont Pkwy, Pasadena · 16 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (713) 640-3743

  • Houston Area Urban League

    5260 Griggs Rd, Houston · 24 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (713) 393-8700

All counseling agencies in Texas

Help in Spanish near Bacliff

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Bacliff

In HUD’s record, no housing authority with an office in Galveston County is named for Bacliff or Galveston County.

2 other authorities have an office in Galveston County: see the list Source: HUD

Cities

Other cities in Galveston County

These cities are also in Galveston County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Galveston County Housing in Texas

Nearby cities

The cities closest to Bacliff, with the typical home value.

Neighboring counties

If Galveston County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Bacliff.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Bacliff

Short answers with the numbers for Bacliff and all of Galveston 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 Bacliff?

The typical home value in Bacliff is $201,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Galveston County it is $314,600.

How much does it cost to rent in Bacliff?

Typical rent in Bacliff is $1,498 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Galveston County is $1,497.

What is the FHA loan limit in Bacliff?

Bacliff uses the FHA limit for all of Galveston 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 Bacliff?

The typical homeowner in Bacliff pays $1,913 a year, according to the U.S. Census Bureau. That is 0.95% of the home’s value; in Galveston County, the rate is 1.41%.

Where can I find free help to buy or rent in Bacliff?

We found no HUD-approved counseling agencies with an office in Galveston County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).