In Breckenridge, a typical home is worth $75,900 and typical rent is $839 a month. Compared with all of Stephens County, the typical home value is 31% lower, typical household income is 17% lower, and the share of households that own their home is 14 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $167,479 to $137,623.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Breckenridge is in Stephens 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 Stephens County. See the county
What this place has that others do not, from public data, most unusual first.
1
Breckenridge has the 5th lowest typical home value of the 422 cities in Texas with more than 5,000 people ($75,900).
2
65% of households in Breckenridge own their home, against 79% in Stephens County.
3
Breckenridge has the 26th lowest typical rent of the 413 cities in Texas with more than 5,000 people ($839).
4
The typical household income in Breckenridge is $48,000,17% less than in Stephens County as a whole ($58,008).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Breckenridge
What homes there are in Breckenridge, 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
Breckenridge
Stephens County
Texas
United States
Kind of home: Breckenridge and its comparisons
Measure
Breckenridge
Stephens County
Texas
United States
Detached house
64%
67%
64%
61%
Attached house
Unreliable estimate
Unreliable estimate
3%
6%
Building of 2 to 4
8%
4%
5%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
21%
19%
Mobile home
6%
18%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in Stephens County, most homes in Breckenridge are detached houses (64%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Breckenridge
Stephens County
Texas
United States
Year built: Breckenridge and its comparisons
Measure
Breckenridge
Stephens County
Texas
United States
Before 1960
31%
23%
12%
26%
1960–1979
45%
40%
21%
24%
1980–1999
20%
23%
28%
25%
2000–2009
Unreliable estimate
8%
18%
14%
2010 or later
Unreliable estimate
5%
21%
11%
The typical home in Breckenridge was built in 1971, 4 years before the typical one in Stephens County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K66%
$100K–$200K26%
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Breckenridge and its comparisons
Measure
Breckenridge
Under $100K
66%
$100K–$200K
26%
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99956%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Breckenridge and its comparisons
Measure
Breckenridge
Under $500
Unreliable estimate
$500–$999
56%
$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
With a mortgage
$1,169 a month
Stephens County: $1,235 a month
Without a mortgage
$517 a month
Stephens County: $535 a month
Owners with a mortgage
48%
Stephens County: 33%
In Breckenridge, 48% of owners have a mortgage, and their typical cost is $1,169 a month, against $1,235 in Stephens County. Without one it drops to $517.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
BreckenridgeNo clear change
Stephens County+48%
Texas+65%
United States+53%
Typical rent
BreckenridgeNo clear change
Stephens CountyNo clear change
Texas+34%
United States+33%
Typical household income
BreckenridgeNo clear change
Stephens County+26%
Texas+27%
United States+29%
Change since 2015–2019: Breckenridge and its comparisons
Measure
Breckenridge
Stephens County
Texas
United States
Typical home value
No clear change
+48%
+65%
+53%
Typical rent
No clear change
No clear change
+34%
+33%
Typical household income
No clear change
+26%
+27%
+29%
The typical home value in Breckenridge stayed about the same since 2015–2019: the Census sees no clear change.
The typical rent in Breckenridge 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: Breckenridge and its comparisons
Measure
Breckenridge
Stephens 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
2.58
2.44
2.69
2.53
Drive alone
66%
75%
71%
69%
Carpool
23%
16%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
2%
3%
Work from home
Unreliable estimate
Unreliable estimate
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
More people live in each home here: 2.58 on average, against 2.44 in Stephens County.
Carpooling is common in Breckenridge: 23% of workers get to work that way, against 16% in Stephens County.
Do the math
What would you pay each month for a home in Breckenridge?
A typical home is within reach of the typical income
We start with a typical home in Breckenridge, worth $75,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 17% of the typical household income in Breckenridge, which is $48,000 a year.
The calculator's FHA and conventional loan limits are those of all of Stephens 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 Breckenridge. 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 $2,657 (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
$697
at 7.18% · 30 years
Loan amount
$74,525
Total interest
$107,224
Paid off in
November 2056
Includes $1,282 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,120 a month
Your payment · 17%
Tight
$1,120 to $1,440 a month
Hard
more than $1,440 a month
Compared with the typical household income in Breckenridge ($48,000 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$505
Property tax
$127
Home insurance
$32
FHA mortgage insurance (MIP)
$34
You need at least $2,657 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 $697; principal and interest $505.
The city and its county
Breckenridge and Stephens County
Breckenridge is in Stephens 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).
Breckenridge
Map of Stephens County, Texas, with Breckenridge marked. Around it, the neighboring counties.
Breckenridge
Stephens County
Breckenridge's own numbers
Typical home value
$75,900
Typical monthly rent
$839
Typical yearly household income
$48,000
Households that own their home
65%
Effective property tax rate
2%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Stephens 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)
+33%
Homes in a high flood-risk zone
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 Stephens County.
A typical home in Breckenridge is worth $75,900: 31% below the county and 73% below Texas. With the typical household income in Breckenridge ($48,000 a year), a typical home costs 1.6 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.
Breckenridge1.6 years
Stephens1.9 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Stephens County
According to FHFA’s house price index, home prices in Stephens County rose 78% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Stephens County.
Yearly change in FHFA’s price index in Stephens County, 2016 to 2025
2016: −1.3% −1.3% 2016
2017: +5.7% +5.7% 2017
2018: +17.3% +17.3% 2018
2019: +2.1% +2.1% 2019
2020: +6.7% +6.7% 2020
2021: +9.8% +9.8% 2021
2022: +11.8% +11.8% 2022
2023: +7.8% +7.8% 2023
2024: +20.0% +20.0% 2024
2025: −16.2% −16.2% 2025
Change in FHFA’s price index in Stephens County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
−16.2%
+0.8%
+2.9%
5 years (2020–2025)
+33%
+44%
+47%
10 years (2015–2025)
+78%
+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
Breckenridge next to Stephens 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
Breckenridge$75,900
Stephens$110,200
Texas$283,800
United States$332,700
Typical monthly rent
Breckenridge$839
Stephens$846
Texas$1,403
United States$1,413
Typical yearly household income
Breckenridge$48,000
Stephens$58,008
Texas$78,476
United States$80,734
See the full table
Breckenridge next to Stephens County and Texas
Measure
Breckenridge
Stephens County
Texas
U.S.
Typical home value
$75,900 ▼31% below the county
$110,200
$283,800
$332,700
Typical monthly rent
$839
$846
$1,403
$1,413
Typical yearly household income
$48,000 ▼17% below the county
$58,008
$78,476
$80,734
Households that own their home
65% ▼14 points below the county
79%
63%
65%
Typical yearly property tax
$1,520 ▼7% below the county
$1,633
$4,232
$3,119
Effective property tax rate
2% ▲0.52 points above the county
1.48%
1.49%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Stephens 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 Breckenridge
For a typical $75,900 home in Breckenridge, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Breckenridge's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$697a month
Least cash to close
Down payment
$2,657
Cash to close
$4,934
Rate
7.18%
Mortgage insurance
FHA MIP · $34
Conventional, 5% down$683a month
Down payment
$3,795
Cash to close
$6,072
Rate
7.18%
Mortgage insurance
PMI · $36
Conventional, 20% down, no PMI$569a month
Down payment
$15,180
Cash to close
$17,457
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$640a month
Down payment
$11,385
Cash to close
$13,662
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Breckenridge
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$697
$2,657
$74,525
7.18%
FHA MIP · $34
$4,934
580
Conventional, 5% down
$683
$3,795
$72,105
7.18%
PMI · $36
$6,072
620*
Conventional, 20% down, no PMI
$569
$15,180
$60,720
7.18%
None
$17,457
620*
ITIN, 15% down (example)
$640
$11,385
$64,515
8.18%
None
$13,662
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 Breckenridge is $839 a month: about the same as the county.
HUD publishes a fair market rent for all of Stephens 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 Stephens County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$771
$14.83
$30,840
1 bedroom
$931
$17.90
$37,240
2 bedrooms
$1,014
$19.50
$40,560
3 bedrooms
$1,310
$25.19
$52,400
4 bedrooms
$1,461
$28.10
$58,440
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 Breckenridge
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Breckenridge is in ZIP code 76424.
For 2 bedrooms it is $1,010: $4 less than the fair market rent for Stephens County ($1,014).
Fair market rent by ZIP code and size in Breckenridge, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
76424
$770
$930
$1,010
$1,320
$1,470
ZIP code2 bd3 bd
76424 $1,010$1,320
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Breckenridge 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 Breckenridge. These are the largest.
Roselawn501A W 5th St, Breckenridge 7642485 low-income homes · Run by Housing Authority of Breckenridge · Average payment: $399 a month · Average wait: 3 months(254) 559-5996
Woodland Village Apts801 Industrial Loop, Breckenridge 7642488 homes, 70 low-income · For families
Breckenridge Manor Apts200 N Palmer Ave, Breckenridge 7642424 low-income homes · 1 bd: 24 · In service since 1995
Breckenridge Apts102 Shirley Ct, Breckenridge 7642432 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 Stephens 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 Breckenridge or Stephens County. The ones below are statewide in Texas: they work in Breckenridge 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).
The HUD-approved agencies closest to the center of Breckenridge, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
FW
Fort Worth Area Habitat for Humanity Inc
9333 N Normandale St, Fort Worth · 83 miles away · Spanish
No legal help resource on our list is for Breckenridge or Stephens 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 Breckenridge and all of Stephens 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 Breckenridge?
The typical home value in Breckenridge is $75,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Stephens County it is $110,200.
How much does it cost to rent in Breckenridge?
Typical rent in Breckenridge is $839 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Stephens County is $1,014.
What is the FHA loan limit in Breckenridge?
Breckenridge uses the FHA limit for all of Stephens 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 Breckenridge?
The typical homeowner in Breckenridge pays $1,520 a year, according to the U.S. Census Bureau. That is 2% of the home’s value; in Stephens County, the rate is 1.48%.
Where can I find free help to buy or rent in Breckenridge?
We found no HUD-approved counseling agencies with an office in Stephens County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
