In Bowie, a typical home is worth $174,300 and typical rent is $1,080 a month. Compared with all of Montague County, the typical home value is 16% lower, typical household income is 11% lower, and the share of households that own their home is 11 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $220,884 to $246,931.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Bowie is in Montague 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 Montague County. See the county
What this place has that others do not, from public data, most unusual first.
1
69% of households in Bowie own their home, against 80% in Montague County.
2
The typical home in Bowie is worth $174,300,16% less than in Montague County as a whole ($206,400).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Bowie
What homes there are in Bowie, 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
Bowie
Montague County
Texas
United States
Kind of home: Bowie and its comparisons
Measure
Bowie
Montague County
Texas
United States
Detached house
81%
78%
64%
61%
Attached house
Unreliable estimate
Unreliable estimate
3%
6%
Building of 2 to 4
Unreliable estimate
4%
5%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
21%
19%
Mobile home
Unreliable estimate
15%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in Montague County, most homes in Bowie are detached houses (81%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Bowie
Montague County
Texas
United States
Year built: Bowie and its comparisons
Measure
Bowie
Montague County
Texas
United States
Before 1960
27%
23%
12%
26%
1960–1979
43%
29%
21%
24%
1980–1999
13%
20%
28%
25%
2000–2009
Unreliable estimate
12%
18%
14%
2010 or later
Unreliable estimate
16%
21%
11%
In Bowie, half of the homes were built before 1973; in Montague County, before 1979.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K28%
$100K–$200K29%
$200K–$300K27%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Bowie and its comparisons
Measure
Bowie
Under $100K
28%
$100K–$200K
29%
$200K–$300K
27%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49930%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Bowie and its comparisons
Measure
Bowie
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
30%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,398 a month
Montague County: $1,558 a month
Without a mortgage
$539 a month
Montague County: $582 a month
Owners with a mortgage
47%
Montague County: 37%
Owning costs less in Bowie: with a mortgage, the typical cost is $1,398 a month; in Montague County, $1,558. Without one, $539.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Bowie+107%
Montague County+79%
Texas+65%
United States+53%
Typical rent
BowieNo clear change
Montague County+18%
Texas+34%
United States+33%
Typical household income
Bowie+41%
Montague County+25%
Texas+27%
United States+29%
Change since 2015–2019: Bowie and its comparisons
Measure
Bowie
Montague County
Texas
United States
Typical home value
+107%
+79%
+65%
+53%
Typical rent
No clear change
+18%
+34%
+33%
Typical household income
+41%
+25%
+27%
+29%
The typical home value in Bowie rose 107% since 2015–2019, more than in Montague County (79%).
Since 2015–2019, the typical rent in Bowie did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Bowie and its comparisons
Measure
Bowie
Montague 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
2.37
2.43
2.69
2.53
Drive alone
82%
77%
71%
69%
Carpool
11%
12%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
2%
3%
Work from home
Unreliable estimate
9%
14%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
A household in Bowie has 2.37 people on average, about the same as in Montague County (2.43).
To get to work, 82% of workers in Bowie drive alone; in Montague County, 77%.
Do the math
What would you pay each month for a home in Bowie?
A typical home is tight for the typical income
We start with a typical home in Bowie, worth $174,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Bowie, which is $57,488 a year. For that payment to be 28% of income, a household would need to earn about $62,205 a year.
The calculator's FHA and conventional loan limits are those of all of Montague 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 Bowie. 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 $6,101 (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
$1,451
at 7.18% · 30 years
Loan amount
$171,142
Total interest
$246,234
Paid off in
November 2056
Includes $2,943 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,341 a month
Tight
$1,341 to $1,725 a month
Your payment · 30%
Hard
more than $1,725 a month
Compared with the typical household income in Bowie ($57,488 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,159
Property tax
$142
Home insurance
$73
FHA mortgage insurance (MIP)
$77
You need at least $6,101 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 $1,451; principal and interest $1,159.
The city and its county
Bowie and Montague County
Bowie is in Montague 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).
Bowie
Map of Montague County, Texas, with Bowie marked. Around it, the neighboring counties.
Bowie
Montague County
Other cities with a page
Bowie's own numbers
Typical home value
$174,300
Typical monthly rent
$1,080
Typical yearly household income
$57,488
Households that own their home
69%
Effective property tax rate
0.98%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Montague County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,088
Price change over 5 years (FHFA)
+75%
Homes in a high flood-risk zone
3.5%
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 Montague County.
A typical home in Bowie is worth $174,300: 16% below the county and 39% below Texas. With the typical household income in Bowie ($57,488 a year), a typical home costs 3.0 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.
Bowie3.0 years
Montague3.2 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Montague County
According to FHFA’s house price index, home prices in Montague County rose 136% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Montague County.
Yearly change in FHFA’s price index in Montague County, 2016 to 2025
2016: +7.5% +7.5% 2016
2017: +5.6% +5.6% 2017
2018: +5.6% +5.6% 2018
2019: +5.5% +5.5% 2019
2020: +7.0% +7.0% 2020
2021: +13.5% +13.5% 2021
2022: +24.0% +24.0% 2022
2023: +10.7% +10.7% 2023
2024: +6.1% +6.1% 2024
2025: +5.5% +5.5% 2025
Change in FHFA’s price index in Montague County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+5.5%
+0.8%
+2.9%
5 years (2020–2025)
+75%
+44%
+47%
10 years (2015–2025)
+136%
+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
Bowie next to Montague 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
Bowie$174,300
Montague$206,400
Texas$283,800
United States$332,700
Typical monthly rent
Bowie$1,080
Montague$1,008
Texas$1,403
United States$1,413
Typical yearly household income
Bowie$57,488
Montague$64,545
Texas$78,476
United States$80,734
See the full table
Bowie next to Montague County and Texas
Measure
Bowie
Montague County
Texas
U.S.
Typical home value
$174,300 ▼16% below the county
$206,400
$283,800
$332,700
Typical monthly rent
$1,080 ▲7% above the county
$1,008
$1,403
$1,413
Typical yearly household income
$57,488 ▼11% below the county
$64,545
$78,476
$80,734
Households that own their home
69% ▼11 points below the county
80%
63%
65%
Typical yearly property tax
$1,703 ▼10% below the county
$1,902
$4,232
$3,119
Effective property tax rate
0.98% ▲0.06 points above the county
0.92%
1.49%
0.94%
Renters with high rent for their income
60% ▲6 points above the county
54%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Montague 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 Bowie
For a typical $174,300 home in Bowie, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bowie's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,451a month
Least cash to close
Down payment
$6,101
Cash to close
$11,330
Rate
7.18%
Mortgage insurance
FHA MIP · $77
Conventional, 5% down$1,419a month
Down payment
$8,715
Cash to close
$13,944
Rate
7.18%
Mortgage insurance
PMI · $83
Conventional, 20% down, no PMI$1,160a month
Down payment
$34,860
Cash to close
$40,089
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,321a month
Down payment
$26,145
Cash to close
$31,374
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Bowie
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,451
$6,101
$171,143
7.18%
FHA MIP · $77
$11,330
580
Conventional, 5% down
$1,419
$8,715
$165,585
7.18%
PMI · $83
$13,944
620*
Conventional, 20% down, no PMI
$1,160
$34,860
$139,440
7.18%
None
$40,089
620*
ITIN, 15% down (example)
$1,321
$26,145
$148,155
8.18%
None
$31,374
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 Bowie is $1,080 a month: 7% above the county. In Bowie, 60% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Montague County, by unit size. To pay the 2-bedroom one ($1,088 a month) without spending more than 30% of your income, you would need to earn $20.92 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 Montague County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$827
$15.90
$33,080
1 bedroom
$907
$17.44
$36,280
2 bedrooms
$1,088
$20.92
$43,520
3 bedrooms
$1,507
$28.98
$60,280
4 bedrooms
$1,567
$30.13
$62,680
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 Bowie
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Bowie is in ZIP code 76230.
For 2 bedrooms it is $1,270: $182 more than the fair market rent for Montague County ($1,088).
Fair market rent by ZIP code and size in Bowie, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
76230
$970
$1,060
$1,270
$1,760
$1,840
ZIP code2 bd3 bd
76230 $1,270$1,760
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Bowie 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)
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 Montague 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 Bowie or Montague County. The ones below are statewide in Texas: they work in Bowie 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 Bowie or Montague 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 Bowie and all of Montague 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 Bowie?
The typical home value in Bowie is $174,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Montague County it is $206,400.
How much does it cost to rent in Bowie?
Typical rent in Bowie is $1,080 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Montague County is $1,088.
What is the FHA loan limit in Bowie?
Bowie uses the FHA limit for all of Montague 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 Bowie?
The typical homeowner in Bowie pays $1,703 a year, according to the U.S. Census Bureau. That is 0.98% of the home’s value; in Montague County, the rate is 0.92%.
Where can I find free help to buy or rent in Bowie?
We found no HUD-approved counseling agencies with an office in Montague County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
