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City · 85,205 residents · Harris County, Texas

Baytown , Texas

In Baytown, a typical home is worth $197,300 and typical rent is $1,307 a month. Compared with all of Harris County, the typical home value is 29% lower and typical household income is 20% lower.

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  • Typical home value

    $197,300

    29% below the county

    30% below Texas

    • Baytown
    • Harris
    • Texas

  • Typical rent

    $1,307a month

    7% below the county

    7% below Texas

    • Baytown
    • Harris
    • Texas

  • Typical household income

    $59,910a year

    20% below the county

    24% below Texas

    • Baytown
    • Harris
    • Texas

  • Households that own their home

    52%

    2 points below the county

    10 points below Texas

    • Baytown
    • Harris
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$243,842
0.8% less than 12 months ago
Typical rent
$1,491 a month
0.6% less than 12 months ago

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

Baytown is in Harris 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 Harris County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Baytown apart

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

  1. The typical home in Baytown is worth $197,300, 29% less than in Harris County as a whole ($276,600).

  2. The typical household income in Baytown is $59,910, 20% less than in Harris County as a whole ($74,983).

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

The homes here

Housing in Baytown

What homes there are in Baytown, 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 Baytown, 6 in 10 homes are single-family detached houses, about the same as in Harris County.

In Baytown there are many mobile homes: 6% of homes; in Harris County, 3%.

Year built

Homes in Baytown are older: the typical year built is 1981; in Harris County, 1988.

In Baytown, 56% of homes have 3 bedrooms or more, about the same as in Harris County.

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

With an FHA limit of $541,287, at least 97% of owner-occupied homes in Baytown sit below it: they are worth less than $500,000.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Harris County is $1,497; about 69% of rents in Baytown are below it.

With a mortgage

$1,761 a month

Harris County: $2,155 a month

Without a mortgage

$691 a month

Harris County: $744 a month

Owners with a mortgage

50%

Harris County: 57%

In Baytown, 50% of owners have a mortgage, and their typical cost is $1,761 a month, against $2,155 in Harris County. Without one it drops to $691.

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

Since 2015–2019, homes in Baytown gained value faster than in Harris County: 65% against 57%.

The typical rent in Baytown rose 38% over the same time; in Harris County, it rose 30%.

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

MeasureBaytownHarris CountyTexasUnited States
Rental vacancy 9.7%9.3%7.7%5.5%
Homeowner vacancy Unreliable estimate1.2%1.1%0.9%
More than one person per room 5.1%6.6%4.8%3.4%
People per household 2.732.732.692.53
Drive alone 80%70%71%69%
Carpool 11%11%10%9%
Public transit Unreliable estimate2%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 6%13%14%15%
Other means 2%2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Baytown, the rental vacancy rate is 9.7%, about the same as in Harris County.

Fewer households are short on space in Baytown: 5.1% have more than one person per room; in Harris County, 6.6%.

By size, households in Baytown look like those in Harris County: 2.73 people on average.

The car rules in Baytown: 80% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

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 Baytown?

A typical home is tight for the typical income

We start with a typical home in Baytown, worth $197,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Baytown, which is $59,910 a year. For that payment to be 28% of income, a household would need to earn about $74,852 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Baytown. 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 $6,906 (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

$1,747

at 7.18% · 30 years

Loan amount
$193,726
Total interest
$278,726
Paid off in
November 2056

Includes $3,332 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,398 a month

  • Tight

    $1,398 to $1,797 a month

    Your payment · 35%

  • Hard

    more than $1,797 a month

Compared with the typical household income in Baytown ($59,910 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,747
Principal & interest$1,312
Property tax$265
Home insurance$82
FHA mortgage insurance (MIP)$87

You need at least $6,906 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

Baytown and Harris County

Baytown is in Harris 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).

Baytown's own numbers

Typical home value
$197,300
Typical monthly rent
$1,307
Typical yearly household income
$59,910
Households that own their home
52%
Effective property tax rate
1.61%

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

Numbers for all of Harris 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)
+31%
Homes in a high flood-risk zone
9.1%

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 Harris County.

Everything about Harris County

Buying

Buying a home in Baytown

A typical home in Baytown is worth $197,300: 29% below the county and 30% below Texas. With the typical household income in Baytown ($59,910 a year), a typical home costs 3.3 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.

  • Baytown 3.3 years
  • Harris 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 Harris County

According to FHFA’s house price index, home prices in Harris County rose 54% in the 10 years through 2025.

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

Period County Texas U.S.
Last year (2025) +0.6% +0.8% +2.9%
5 years (2020–2025) +31% +44% +47%
10 years (2015–2025) +54% +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

Baytown next to Harris 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
  • Baytown $197,300
  • Harris $276,600
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Baytown $1,307
  • Harris $1,401
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Baytown $59,910
  • Harris $74,983
  • Texas $78,476
  • United States $80,734
See the full table
Baytown next to Harris County and Texas
Measure Baytown Harris County Texas U.S.
Typical home value $197,300 $276,600 $283,800 $332,700
Typical monthly rent $1,307 $1,401 $1,403 $1,413
Typical yearly household income $59,910 $74,983 $78,476 $80,734
Households that own their home 52% 55% 63% 65%
Typical yearly property tax $3,175 $4,489 $4,232 $3,119
Effective property tax rate 1.61% 1.62% 1.49% 0.94%
Renters with high rent for their income 51% 54% 52% 51%

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

For a typical $197,300 home in Baytown, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Baytown's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,747a month

    Least cash to close
    Down payment
    $6,906
    Cash to close
    $12,825
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $87

  • Conventional, 5% down $1,710a month

    Down payment
    $9,865
    Cash to close
    $15,784
    Rate
    7.18%
    Mortgage insurance
    PMI · $94

  • Conventional, 20% down, no PMI $1,416a month

    Down payment
    $39,460
    Cash to close
    $45,379
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,599a month

    Down payment
    $29,595
    Cash to close
    $35,514
    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 Baytown and for Harris County.

Property tax

Effective rate in Baytown

1.61%of the home’s value each year

$3,175 a year for the typical owner in Baytown.

  • Baytown 1.61%
  • Harris 1.62%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in Harris County

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

Homes in the high-risk zone
9.1%
113,215
Of those, with NFIP insurance
48%
County Texas U.S.
Homes in the high-risk zone 9.1% 4.1% 3.5%
Of those, with NFIP insurance 48% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Baytown

Typical rent in Baytown is $1,307 a month: 7% below the county. In Baytown, 51% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Harris 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 Harris 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 Baytown

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Baytown has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,270 in 77520 to $1,630 in 77523.

1 of the 3 is above the fair market rent for Harris County ($1,497).

  • 77520 $1,270$1,710
  • 77521 $1,470$1,980
  • 77523 $1,630$2,200

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Baytown 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?

Low-income apartments

Low-income apartments in Baytown

HUD lists 13 buildings with rents for lower incomes in Baytown. These are the largest.

  • Piedmont Apts 7510 Decker Dr, Baytown 77520 250 low-income homes · 1 bd: 52 · 2 bd: 112 · 3 bd: 86 · In service since 2007
  • Rosemont at Baytown (GARTH) 6033 Garth Rd, Baytown 77521 250 low-income homes · 1 bd: 52 · 2 bd: 112 · 3 bd: 86 · In service since 2006
  • Bayview Apts 6900 N Main St, Baytown 77521 240 low-income homes · 1 bd: 76 · 2 bd: 108 · 3 bd: 56 · In service since 2007
  • The Village 4601 Village Ln, Baytown 77521 210 homes, 190 low-income · For families (281) 424-4566
  • Bay Terrace 1502 Nolan Rd, Baytown 77520 130 low-income homes · For families (281) 428-2660

See all 402 buildings in Harris County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Baytown

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 13 HUD-approved agencies with an office in Harris County; 8 say they serve in Spanish.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Baytown

No down payment, repair or rent-help program on our list is for Baytown or Harris County. The ones below are statewide in Texas: they work in Baytown 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 Baytown

The HUD-approved agencies closest to the center of Baytown, 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 · 11 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

  • Fifth-Ward Community Redevelopment Corp.

    4300 Lyons Ave Ste 300, Houston · 22 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (713) 674-0175

Every agency in Harris County All counseling agencies in Texas

Help in Spanish near Baytown

2 of the 3 agencies on this list say they serve 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 Baytown

HUD’s record names them for Baytown or Harris County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of the City of Baytown Public housing and Section 8 vouchers (281) 427-6686
  • Harris County Housing Authority Section 8 vouchers (713) 578-2100

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

Cities

Other cities in Harris County

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

Everything about Harris County Housing in Texas
See 9 more cities in Harris County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

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

Neighboring counties

If Harris 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 Baytown.

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

Questions

Housing questions about Baytown

Short answers with the numbers for Baytown and all of Harris 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 Baytown?

The typical home value in Baytown is $197,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Harris County it is $276,600.

How much does it cost to rent in Baytown?

Typical rent in Baytown is $1,307 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Harris County is $1,497.

What is the FHA loan limit in Baytown?

Baytown uses the FHA limit for all of Harris 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 Baytown?

The typical homeowner in Baytown pays $3,175 a year, according to the U.S. Census Bureau. That is 1.61% of the home’s value; in Harris County, the rate is 1.62%.

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

There are 13 HUD-approved counseling agencies with an office in Harris County. 8 say they serve in Spanish. 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).