In Brady, a typical home is worth $138,800 and typical rent is $776 a month. Compared with all of McCulloch County, typical household income is 14% lower, the typical home value is 8% 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 $124,624 to $119,660.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Brady is in McCulloch 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 McCulloch County. See the county
What this place has that others do not, from public data, most unusual first.
1
Brady has the 12th lowest typical rent of the 413 cities in Texas with more than 5,000 people ($776).
2
According to Zillow, in the 12 months to September 2026 the typical home value in Brady rose 1.7%; in Texas, it fell 1.4%.
3
55% of households in Brady own their home, against 67% in McCulloch County.
4
Brady has the 29th lowest typical household income of the 424 cities in Texas with more than 5,000 people ($46,250).
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Brady
What homes there are in Brady, 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
Brady
McCulloch County
Texas
United States
Kind of home: Brady and its comparisons
Measure
Brady
McCulloch County
Texas
United States
Detached house
73%
75%
64%
61%
Attached house
Unreliable estimate
Unreliable estimate
3%
6%
Building of 2 to 4
15%
10%
5%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
21%
19%
Mobile home
Unreliable estimate
7%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Brady, 7 in 10 homes are single-family detached houses, about the same as in McCulloch County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Brady
McCulloch County
Texas
United States
Year built: Brady and its comparisons
Measure
Brady
McCulloch County
Texas
United States
Before 1960
40%
37%
12%
26%
1960–1979
35%
27%
21%
24%
1980–1999
20%
23%
28%
25%
2000–2009
Unreliable estimate
7%
18%
14%
2010 or later
Unreliable estimate
7%
21%
11%
The typical home in Brady was built in 1966, 5 years before the typical one in McCulloch County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K43%
$100K–$200K33%
$200K–$300K17%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Brady and its comparisons
Measure
Brady
Under $100K
43%
$100K–$200K
33%
$200K–$300K
17%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50030%
$500–$99957%
$1,000–$1,499Unreliable
HUD fair market rent, 2 bedrooms: $1,067
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Brady and its comparisons
Measure
Brady
Under $500
30%
$500–$999
57%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a HUD fair market rent of $1,067 for 2 bedrooms, at least 87% of rented homes in Brady sit below it.
With a mortgage
$1,707 a month
McCulloch County: $1,561 a month
Without a mortgage
$459 a month
McCulloch County: $517 a month
Owners with a mortgage
52%
McCulloch County: 40%
Owning costs more in Brady: with a mortgage, the typical cost is $1,707 a month; in McCulloch County, $1,561. Without one, $459.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Brady+64%
McCulloch County+61%
Texas+65%
United States+53%
Typical rent
BradyNo clear change
McCulloch CountyNo clear change
Texas+34%
United States+33%
Typical household income
BradyNo clear change
McCulloch CountyNo clear change
Texas+27%
United States+29%
Change since 2015–2019: Brady and its comparisons
Measure
Brady
McCulloch County
Texas
United States
Typical home value
+64%
+61%
+65%
+53%
Typical rent
No clear change
No clear change
+34%
+33%
Typical household income
No clear change
No clear change
+27%
+29%
Since 2015–2019, homes in Brady gained value faster than in McCulloch County: 64% against 61%.
The typical rent in Brady 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: Brady and its comparisons
Measure
Brady
McCulloch 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
2.25
2.25
2.69
2.53
Drive alone
65%
68%
71%
69%
Carpool
14%
12%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
2%
3%
Work from home
17%
16%
14%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
By size, households in Brady look like those in McCulloch County: 2.25 people on average.
To get to work, 65% of workers in Brady drive alone; in McCulloch County, 68%.
Do the math
What would you pay each month for a home in Brady?
A typical home is within reach of the typical income
We start with a typical home in Brady, worth $138,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in Brady, which is $46,250 a year.
The calculator's FHA and conventional loan limits are those of all of McCulloch 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 Brady. 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 $4,858 (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
$1,157
at 7.18% · 30 years
Loan amount
$136,286
Total interest
$196,084
Paid off in
November 2056
Includes $2,344 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,079 a month
Tight
$1,079 to $1,388 a month
Your payment · 30%
Hard
more than $1,388 a month
Compared with the typical household income in Brady ($46,250 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$923
Property tax
$115
Home insurance
$58
FHA mortgage insurance (MIP)
$61
You need at least $4,858 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 $1,157; principal and interest $923.
The city and its county
Brady and McCulloch County
Brady is in McCulloch 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).
Brady
Map of McCulloch County, Texas, with Brady marked. Around it, the neighboring counties.
Brady
McCulloch County
Brady's own numbers
Typical home value
$138,800
Typical monthly rent
$776
Typical yearly household income
$46,250
Households that own their home
55%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of McCulloch County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,067
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 McCulloch County.
A typical home in Brady is worth $138,800: 8% below the county and 51% below Texas. With the typical household income in Brady ($46,250 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.
Brady3.0 years
McCulloch2.8 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in McCulloch County
FHFA publishes no annual price index in McCulloch County. That usually happens when there are too few sales to measure it.
FHFA does not publish this index by city: these are the numbers for all of McCulloch County.
Yearly change in FHFA’s price index in McCulloch County, 2016 to 2025
2016: +12.2% +12.2% 2016
2017: −25.3% −25.3% 2017
2018: +30.3% +30.3% 2018
2019: +3.4% +3.4% 2019
2020: +4.0% +4.0% 2020
2021: +4.4% +4.4% 2021
2022: +14.5% +14.5% 2022
2023: +19.5% +19.5% 2023
2024: −5.3% −5.3% 2024
2025: — — 2025
Change in FHFA’s price index in McCulloch County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
—
+0.8%
+2.9%
5 years (2020–2025)
—
+44%
+47%
10 years (2015–2025)
—
+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
Brady next to McCulloch 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
Brady$138,800
McCulloch$150,500
Texas$283,800
United States$332,700
Typical monthly rent
Brady$776
McCulloch$806
Texas$1,403
United States$1,413
Typical yearly household income
Brady$46,250
McCulloch$54,043
Texas$78,476
United States$80,734
See the full table
Brady next to McCulloch County and Texas
Measure
Brady
McCulloch County
Texas
U.S.
Typical home value
$138,800 ▼8% below the county
$150,500
$283,800
$332,700
Typical monthly rent
$776 ▼4% below the county
$806
$1,403
$1,413
Typical yearly household income
$46,250 ▼14% below the county
$54,043
$78,476
$80,734
Households that own their home
55% ▼11 points below the county
67%
63%
65%
Renters with high rent for their income
48% ▲1 points above the county
47%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below McCulloch 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 Brady
For a typical $138,800 home in Brady, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, an example home insurance and mortgage insurance when it applies. It leaves out property tax because the Census Bureau doesn't publish Brady's rate.
FHA, 3.5% down$1,042a month
Least cash to close
Down payment
$4,858
Cash to close
$9,022
Rate
7.18%
Mortgage insurance
FHA MIP · $61
Conventional, 5% down$1,017a month
Down payment
$6,940
Cash to close
$11,104
Rate
7.18%
Mortgage insurance
PMI · $66
Conventional, 20% down, no PMI$810a month
Down payment
$27,760
Cash to close
$31,924
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$938a month
Down payment
$20,820
Cash to close
$24,984
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Brady
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,042
$4,858
$136,286
7.18%
FHA MIP · $61
$9,022
580
Conventional, 5% down
$1,017
$6,940
$131,860
7.18%
PMI · $66
$11,104
620*
Conventional, 20% down, no PMI
$810
$27,760
$111,040
7.18%
None
$31,924
620*
ITIN, 15% down (example)
$938
$20,820
$117,980
8.18%
None
$24,984
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 Brady is $776 a month: 4% below the county. In Brady, 48% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of McCulloch County, by unit size. To pay the 2-bedroom one ($1,067 a month) without spending more than 30% of your income, you would need to earn $20.52 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 McCulloch County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$811
$15.60
$32,440
1 bedroom
$816
$15.69
$32,640
2 bedrooms
$1,067
$20.52
$42,680
3 bedrooms
$1,271
$24.44
$50,840
4 bedrooms
$1,537
$29.56
$61,480
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 Brady
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Brady is in ZIP code 76825.
For 2 bedrooms it is $1,060: $7 less than the fair market rent for McCulloch County ($1,067).
Fair market rent by ZIP code and size in Brady, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
76825
$810
$810
$1,060
$1,260
$1,530
ZIP code2 bd3 bd
76825 $1,060$1,260
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Brady 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 Brady. These are the largest.
The TreesBrady 76825180 low-income homes · Run by Housing Authority of Brady · Average payment: $380 a month · Average wait: 4 months · Homes at several sites(325) 597-2951
Trails of Brady1915 Nine Rd, Brady 7682572 homes, 64 low-income · 1 bd: 24 · 2 bd: 36 · 3 bd: 12 · For older adults, people with disabilities, families, people experiencing homelessness
Bel Aire Manor Apts300 Otte St, Brady 7682516 low-income homes · 2 bd: 16 · In service since 2006 · For older adults
Sagebrush Apts218 Lynn Gavit Rd, Brady 7682560 homes
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 McCulloch 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 Brady or McCulloch County. The ones below are statewide in Texas: they work in Brady 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 Brady or McCulloch 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 Brady and all of McCulloch 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 Brady?
The typical home value in Brady is $138,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in McCulloch County it is $150,500.
How much does it cost to rent in Brady?
Typical rent in Brady is $776 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in McCulloch County is $1,067.
What is the FHA loan limit in Brady?
Brady uses the FHA limit for all of McCulloch County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
Where can I find free help to buy or rent in Brady?
We found no HUD-approved counseling agencies with an office in McCulloch County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
