City · 12,226 residents · Hutchinson County, Texas
Borger, Texas
In Borger, a typical home is worth $103,400 and typical rent is $910 a month. Compared with all of Hutchinson County, the typical home value is 13% lower and typical household income is 8% lower.
Typical home value from Zillow, September 2021 to September 2026: from $104,668 to $106,980.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Borger is in Hutchinson 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 Hutchinson County. See the county
What this place has that others do not, from public data, most unusual first.
1
According to Zillow, in the 12 months to September 2026 the typical home value in Borger rose 2.2%; in Texas, it fell 1.4%.
2
Borger has the 27th lowest typical home value of the 422 cities in Texas with more than 5,000 people ($103,400).
Sources: Zillow (September 2026 data); U.S. Census Bureau (Average 2020–2024). Zillow data
The homes here
Housing in Borger
What homes there are in Borger, 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
Borger
Hutchinson County
Texas
United States
Kind of home: Borger and its comparisons
Measure
Borger
Hutchinson County
Texas
United States
Detached house
84%
82%
64%
61%
Attached house
Unreliable estimate
Unreliable estimate
3%
6%
Building of 2 to 4
6%
4%
5%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
21%
19%
Mobile home
Unreliable estimate
8%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in Hutchinson County, most homes in Borger are detached houses (84%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Borger
Hutchinson County
Texas
United States
Year built: Borger and its comparisons
Measure
Borger
Hutchinson County
Texas
United States
Before 1960
40%
35%
12%
26%
1960–1979
32%
33%
21%
24%
1980–1999
22%
25%
28%
25%
2000–2009
Unreliable estimate
4%
18%
14%
2010 or later
Unreliable estimate
4%
21%
11%
Homes in Borger are older: the typical year built is 1965; in Hutchinson County, 1969.
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 $100K49%
$100K–$200K34%
$200K–$300K10%
$300K–$500K6%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Borger and its comparisons
Measure
Borger
Under $100K
49%
$100K–$200K
34%
$200K–$300K
10%
$300K–$500K
6%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
At least 98% of owner-occupied homes in Borger are worth less than $500,000, below the FHA loan limit for Hutchinson County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99951%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Borger and its comparisons
Measure
Borger
Under $500
Unreliable estimate
$500–$999
51%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,263 a month
Hutchinson County: $1,333 a month
Without a mortgage
$450 a month
Hutchinson County: $478 a month
Owners with a mortgage
47%
Hutchinson County: 42%
In Borger, 47% of owners have a mortgage, and their typical cost is $1,263 a month, against $1,333 in Hutchinson County. Without one it drops to $450.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Borger+35%
Hutchinson County+51%
Texas+65%
United States+53%
Typical rent
BorgerNo clear change
Hutchinson County+23%
Texas+34%
United States+33%
Typical household income
Borger+33%
Hutchinson County+28%
Texas+27%
United States+29%
Change since 2015–2019: Borger and its comparisons
Measure
Borger
Hutchinson County
Texas
United States
Typical home value
+35%
+51%
+65%
+53%
Typical rent
No clear change
+23%
+34%
+33%
Typical household income
+33%
+28%
+27%
+29%
From 2015–2019 to 2020–2024, the typical home value in Borger rose 35%; in Hutchinson County, it rose 51%.
The typical rent in Borger stayed about the same over that time: the difference is within the Census margin of error.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Borger and its comparisons
Measure
Borger
Hutchinson 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
Unreliable estimate
4.8%
3.4%
People per household
2.85
2.84
2.69
2.53
Drive alone
81%
81%
71%
69%
Carpool
9%
9%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
2%
3%
Work from home
Unreliable estimate
5%
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
Much as in Hutchinson County, a household in Borger has 2.85 people on average.
To get to work, 81% of workers in Borger drive alone; in Hutchinson County, 81%.
Do the math
What would you pay each month for a home in Borger?
A typical home is within reach of the typical income
We start with a typical home in Borger, worth $103,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 18% of the typical household income in Borger, which is $61,583 a year.
The calculator's FHA and conventional loan limits are those of all of Hutchinson 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 Borger. 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 $3,619 (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
$908
at 7.18% · 30 years
Loan amount
$101,527
Total interest
$146,074
Paid off in
November 2056
Includes $1,746 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,437 a month
Your payment · 18%
Tight
$1,437 to $1,847 a month
Hard
more than $1,847 a month
Compared with the typical household income in Borger ($61,583 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$688
Property tax
$132
Home insurance
$43
FHA mortgage insurance (MIP)
$46
You need at least $3,619 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 $908; principal and interest $688.
The city and its county
Borger and Hutchinson County
Borger is in Hutchinson 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).
Borger
Map of Hutchinson County, Texas, with Borger marked. Around it, the neighboring counties.
Borger
Hutchinson County
Other cities with a page
Borger's own numbers
Typical home value
$103,400
Typical monthly rent
$910
Typical yearly household income
$61,583
Households that own their home
79%
Effective property tax rate
1.53%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Hutchinson County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,014
Price change over 5 years (FHFA)
+49%
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 Hutchinson County.
A typical home in Borger is worth $103,400: 13% below the county and 64% below Texas. With the typical household income in Borger ($61,583 a year), a typical home costs 1.7 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.
Borger1.7 years
Hutchinson1.8 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Hutchinson County
According to FHFA’s house price index, home prices in Hutchinson County rose 72% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Hutchinson County.
Yearly change in FHFA’s price index in Hutchinson County, 2016 to 2025
2016: +2.4% +2.4% 2016
2017: +3.3% +3.3% 2017
2018: +1.5% +1.5% 2018
2019: +2.4% +2.4% 2019
2020: +4.5% +4.5% 2020
2021: +10.9% +10.9% 2021
2022: +8.9% +8.9% 2022
2023: +8.6% +8.6% 2023
2024: +8.5% +8.5% 2024
2025: +4.9% +4.9% 2025
Change in FHFA’s price index in Hutchinson County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+4.9%
+0.8%
+2.9%
5 years (2020–2025)
+49%
+44%
+47%
10 years (2015–2025)
+72%
+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
Borger next to Hutchinson 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
Borger$103,400
Hutchinson$119,100
Texas$283,800
United States$332,700
Typical monthly rent
Borger$910
Hutchinson$932
Texas$1,403
United States$1,413
Typical yearly household income
Borger$61,583
Hutchinson$67,228
Texas$78,476
United States$80,734
See the full table
Borger next to Hutchinson County and Texas
Measure
Borger
Hutchinson County
Texas
U.S.
Typical home value
$103,400 ▼13% below the county
$119,100
$283,800
$332,700
Typical monthly rent
$910 ▼2% below the county
$932
$1,403
$1,413
Typical yearly household income
$61,583 ▼8% below the county
$67,228
$78,476
$80,734
Households that own their home
79% ▼4 points below the county
83%
63%
65%
Typical yearly property tax
$1,582
$1,602
$4,232
$3,119
Effective property tax rate
1.53% ▲0.18 points above the county
1.35%
1.49%
0.94%
Renters with high rent for their income
41% ▲1 points above the county
40%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Hutchinson 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 Borger
For a typical $103,400 home in Borger, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Borger's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$908a month
Least cash to close
Down payment
$3,619
Cash to close
$6,721
Rate
7.18%
Mortgage insurance
FHA MIP · $46
Conventional, 5% down$889a month
Down payment
$5,170
Cash to close
$8,272
Rate
7.18%
Mortgage insurance
PMI · $49
Conventional, 20% down, no PMI$735a month
Down payment
$20,680
Cash to close
$23,782
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$831a month
Down payment
$15,510
Cash to close
$18,612
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Borger
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$908
$3,619
$101,527
7.18%
FHA MIP · $46
$6,721
580
Conventional, 5% down
$889
$5,170
$98,230
7.18%
PMI · $49
$8,272
620*
Conventional, 20% down, no PMI
$735
$20,680
$82,720
7.18%
None
$23,782
620*
ITIN, 15% down (example)
$831
$15,510
$87,890
8.18%
None
$18,612
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 Borger is $910 a month: 2% below the county. In Borger, 41% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Hutchinson County, by unit size. To pay the 2-bedroom one ($1,014 a month) without spending more than 30% of your income, you would need to earn $19.50 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 Hutchinson County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$771
$14.83
$30,840
1 bedroom
$775
$14.90
$31,000
2 bedrooms
$1,014
$19.50
$40,560
3 bedrooms
$1,404
$27.00
$56,160
4 bedrooms
$1,695
$32.60
$67,800
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 Borger
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Borger is in ZIP code 79007.
For 2 bedrooms it is $1,010: $4 less than the fair market rent for Hutchinson County ($1,014).
Fair market rent by ZIP code and size in Borger, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
79007
$770
$780
$1,010
$1,410
$1,700
ZIP code2 bd3 bd
79007 $1,010$1,410
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Borger 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 4 buildings with rents for lower incomes in Borger. These are the largest.
Francis and Carver Homes900 E 6th St, Borger 79007204 homes, 198 low-income · Run by Housing Authority of Borger · Average payment: $402 a month · Average wait: 4 months(806) 274-2612
Tenth Street Apts400 E 10th St, Borger 7900748 low-income homes · In service since 2012
La Mirage Apts200 Pecan St, Borger 7900748 homes
The Reserves at Brookside600 E Wilson St, Borger 7900748 homes · In service since 2016
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 Hutchinson 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 Borger or Hutchinson County. The ones below are statewide in Texas: they work in Borger 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 Borger or Hutchinson 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 Borger and all of Hutchinson 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 Borger?
The typical home value in Borger is $103,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hutchinson County it is $119,100.
How much does it cost to rent in Borger?
Typical rent in Borger is $910 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hutchinson County is $1,014.
What is the FHA loan limit in Borger?
Borger uses the FHA limit for all of Hutchinson 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 Borger?
The typical homeowner in Borger pays $1,582 a year, according to the U.S. Census Bureau. That is 1.53% of the home’s value; in Hutchinson County, the rate is 1.35%.
Where can I find free help to buy or rent in Borger?
We found no HUD-approved counseling agencies with an office in Hutchinson County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
