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City · 17,206 residents · Harris County, Texas

Bellaire , Texas

In Bellaire, a typical home is worth $1,037,500 and typical rent is $2,672 a month. Compared with all of Harris County, the typical home value is 275% higher, typical household income is 225% higher, and the share of households that own their home is 33 points higher.

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  • Typical home value

    $1,037,500

    275% above the county

    266% above Texas

    • Bellaire
    • Harris
    • Texas

  • Typical rent

    $2,672a month

    91% above the county

    90% above Texas

    • Bellaire
    • Harris
    • Texas

  • Typical household income

    $244,015a year

    225% above the county

    211% above Texas

    • Bellaire
    • Harris
    • Texas

  • Households that own their home

    88%

    33 points above the county

    25 points above Texas

    • Bellaire
    • Harris
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$1,182,531
4% more than 12 months ago
Typical rent
$2,749 a month

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

Bellaire 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 Bellaire apart

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

  1. 88% of households in Bellaire own their home, against 55% in Harris County.

  2. Bellaire has the 4th highest typical home value of the 422 cities in Texas with more than 5,000 people ($1,037,500).

  3. Bellaire has the 5th highest typical household income of the 424 cities in Texas with more than 5,000 people ($244,015).

  4. The typical rent in Bellaire is $2,672 a month, 91% more than in Harris County as a whole ($1,401).

  5. Nearby, in Fresno, the typical home value is $243,500: 77% less than in Bellaire ($1,037,500).

  6. Nearby, in Houston, the typical rent is $1,361: 49% less than in Bellaire ($2,672).

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

The homes here

Housing in Bellaire

What homes there are in Bellaire, 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 houses, standing on their own, make up 90% of homes here, against 57% in Harris County.

Year built

Homes in Bellaire are newer: the typical year built is 1996; in Harris County, 1988.

In Bellaire, 86% of homes have 3 bedrooms or more, more than in Harris County (57%).

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

Owners with a mortgage

53%

Harris County: 57%

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

Homes in Bellaire gained value more slowly than in Harris County: 23% since 2015–2019, against 57%.

Rent in Bellaire moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureBellaireHarris CountyTexasUnited States
Rental vacancy Unreliable estimate9.3%7.7%5.5%
Homeowner vacancy Unreliable estimate1.2%1.1%0.9%
More than one person per room Unreliable estimate6.6%4.8%3.4%
People per household 2.822.732.692.53
Drive alone 67%70%71%69%
Carpool 5%11%10%9%
Public transit Unreliable estimate2%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 25%13%14%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Bellaire has 2.82 people on average, about the same as in Harris County (2.73).

Working from home is more common in Bellaire: 25%, against 13% in Harris 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 Bellaire?

A typical home costs more than the typical income allows

We start with a typical home in Bellaire, worth $1,037,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 43% of the typical household income in Bellaire, which is $244,015 a year. For that payment to be 28% of income, a household would need to earn about $376,677 a year. Note: at that price the loan is above the FHA limit for Harris County ($541,287), so FHA would not insure it; the payment is only a reference.

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 Bellaire. 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 $36,313 (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

$8,789

at 7.18% · 30 years

Loan amount
$1,018,708
Total interest
$1,465,681
Paid off in
November 2056

Includes $17,521 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $5,694 a month

  • Tight

    $5,694 to $7,320 a month

  • Hard

    more than $7,320 a month

    Your payment · 43%

Compared with the typical household income in Bellaire ($244,015 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$8,789
Principal & interest$6,901
Property tax$830
Home insurance$432
FHA mortgage insurance (MIP)$626

This loan is over the FHA limit

You'd borrow $1,001,187, but the FHA limit for a one-unit home in Bellaire is $541,287. You'd need a bigger down payment or a different loan.

You need at least $36,313 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

Bellaire and Harris County

Bellaire 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).

Bellaire's own numbers

Typical home value
$1,037,500
Typical monthly rent
$2,672
Typical yearly household income
$244,015
Households that own their home
88%
Effective property tax rate
0.96%

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 Bellaire

A typical home in Bellaire is worth $1,037,500: 275% above the county and 266% above Texas. With the typical household income in Bellaire ($244,015 a year), a typical home costs 4.3 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.

  • Bellaire 4.3 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

Bellaire 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
  • Bellaire $1,037,500
  • Harris $276,600
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Bellaire $2,672
  • Harris $1,401
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Bellaire $244,015
  • Harris $74,983
  • Texas $78,476
  • United States $80,734
See the full table
Bellaire next to Harris County and Texas
Measure Bellaire Harris County Texas U.S.
Typical home value $1,037,500 $276,600 $283,800 $332,700
Typical monthly rent $2,672 $1,401 $1,403 $1,413
Typical yearly household income $244,015 $74,983 $78,476 $80,734
Households that own their home 88% 55% 63% 65%
Typical yearly property tax $10,001 $4,489 $4,232 $3,119
Effective property tax rate 0.96% 1.62% 1.49% 0.94%
Renters with high rent for their income 52% 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 Bellaire

For a typical $1,037,500 home in Bellaire, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bellaire's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $8,789a month

    Above the FHA limit for Harris County ($541,287)
    Down payment
    $36,313
    Cash to close
    $67,438
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $626

  • Conventional, 5% down $8,432a month

    Above the conventional limit for Harris County ($832,750): it would be a "jumbo" loan
    Down payment
    $51,875
    Cash to close
    $83,000
    Rate
    7.18%
    Mortgage insurance
    PMI · $493

  • Conventional, 20% down, no PMI $6,885a month

    Least cash to close
    Down payment
    $207,500
    Cash to close
    $238,625
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $7,844a month

    Down payment
    $155,625
    Cash to close
    $186,750
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is Conventional, 20% down, no PMI.

  • 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 Bellaire and for Harris County.

Property tax

Effective rate in Bellaire

0.96%of the home’s value each year

$10,001 a year for the typical owner in Bellaire.

  • Bellaire 0.96%
  • 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 Bellaire

Typical rent in Bellaire is $2,672 a month: 91% above the county. In Bellaire, 52% 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 Bellaire

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Bellaire is in ZIP code 77401.

For 2 bedrooms it is $2,250: $753 more than the fair market rent for Harris County ($1,497).

  • 77401 $2,250$3,030

A ZIP code counts for Bellaire 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 Bellaire

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.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Bellaire

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

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

  • Easter Seals of Greater Houston, Inc.

    4888 Loop Central Dr Ste 200, Houston · 1 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (713) 838-9050

  • Chinese Community Center

    9800 Town Park Dr, Houston · 6 miles away · Spanish

    Also serves in Cantonese, Mandarin Chinese, and Vietnamese.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 10 more
    (713) 271-6100

  • Operation Hope - Houston TX

    10100 Katy Fwy, Houston · 8 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (832) 237-6747

Every agency in Harris County All counseling agencies in Texas

Help in Spanish near Bellaire

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 Bellaire

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

3 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 Bellaire, 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 Bellaire.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Bellaire

Short answers with the numbers for Bellaire 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 Bellaire?

The typical home value in Bellaire is $1,037,500, 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 Bellaire?

Typical rent in Bellaire is $2,672 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 Bellaire?

Bellaire 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 Bellaire?

The typical homeowner in Bellaire pays $10,001 a year, according to the U.S. Census Bureau. That is 0.96% of the home’s value; in Harris County, the rate is 1.62%.

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

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).