Español

Este sitio también está en español. Leer en español

City · 8,738 residents · Terry County, Texas

Brownfield , Texas

In Brownfield, a typical home is worth $100,600 and typical rent is $811 a month. Home values, rent and income are very close to those of all of Terry County.

WhatsApp

  • Typical home value

    $100,600

    5% below the county

    65% below Texas

    • Brownfield
    • Terry
    • Texas

  • Typical rent

    $811a month

    About the same as the county

    42% below Texas

    • Brownfield
    • Terry
    • Texas

  • Typical household income

    $42,150a year

    4% below the county

    46% below Texas

    • Brownfield
    • Terry
    • Texas

  • Households that own their home

    66%

    About the same as the county

    4 points above Texas

    • Brownfield
    • Terry
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$118,904
2.2% less than 12 months ago

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

Brownfield is in Terry 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 Terry County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Brownfield apart

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

  1. Brownfield has the 14th lowest typical household income of the 424 cities in Texas with more than 5,000 people ($42,150).

  2. Brownfield has the 18th lowest typical rent of the 413 cities in Texas with more than 5,000 people ($811).

  3. Brownfield has the 21st lowest typical home value of the 422 cities in Texas with more than 5,000 people ($100,600).

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

The homes here

Housing in Brownfield

What homes there are in Brownfield, 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

As in Terry County, most homes in Brownfield are detached houses (88%).

Year built

By age, homes in Brownfield look like those in Terry County: the typical year built is 1964.

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

With a mortgage

$1,417 a month

Terry County: $1,429 a month

Without a mortgage

$536 a month

Terry County: $557 a month

Owners with a mortgage

35%

Terry County: 34%

The typical cost for an owner with a mortgage in Brownfield is $1,417 a month, near the figure in Terry County ($1,429).

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 Brownfield gained value more slowly than in Terry County: 34% since 2015–2019, against 38%.

Since 2015–2019, the typical rent in Brownfield did not change clearly, according to the Census.

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

MeasureBrownfieldTerry CountyTexasUnited States
Rental vacancy Unreliable estimateUnreliable estimate7.7%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimate8.5%4.8%3.4%
People per household 2.272.542.692.53
Drive alone 74%76%71%69%
Carpool 21%19%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home Unreliable estimateUnreliable estimate14%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Brownfield has 2.27 people, fewer than in Terry County (2.54).

In Brownfield, 74% of workers drive alone to work; in Terry County, 76%.

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 Brownfield?

A typical home is within reach of the typical income

We start with a typical home in Brownfield, worth $100,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Brownfield, which is $42,150 a year.

The calculator's FHA and conventional loan limits are those of all of Terry County.

Your numbers

Local data
$

Starts at the typical home value in Brownfield. 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 $3,521 (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

$896

at 7.18% · 30 years

Loan amount
$98,778
Total interest
$142,118
Paid off in
November 2056

Includes $1,699 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $984 a month

    Your payment · 26%

  • Tight

    $984 to $1,265 a month

  • Hard

    more than $1,265 a month

Compared with the typical household income in Brownfield ($42,150 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$896
Principal & interest$669
Property tax$141
Home insurance$42
FHA mortgage insurance (MIP)$44

You need at least $3,521 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

Brownfield and Terry County

Brownfield is in Terry 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).

Brownfield's own numbers

Typical home value
$100,600
Typical monthly rent
$811
Typical yearly household income
$42,150
Households that own their home
66%
Effective property tax rate
1.68%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Terry 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)
+41%

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 Terry County.

Everything about Terry County

Buying

Buying a home in Brownfield

A typical home in Brownfield is worth $100,600: 5% below the county and 65% below Texas. With the typical household income in Brownfield ($42,150 a year), a typical home costs 2.4 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.

  • Brownfield 2.4 years
  • Terry 2.4 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Terry County

According to FHFA’s house price index, home prices in Terry County rose 82% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Terry County.

Period County Texas U.S.
Last year (2025) — +0.8% +2.9%
5 years (2020–2025) +41% +44% +47%
10 years (2015–2025) +82% +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

Brownfield next to Terry 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
  • Brownfield $100,600
  • Terry $105,400
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Brownfield $811
  • Terry $817
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Brownfield $42,150
  • Terry $44,100
  • Texas $78,476
  • United States $80,734
See the full table
Brownfield next to Terry County and Texas
Measure Brownfield Terry County Texas U.S.
Typical home value $100,600 $105,400 $283,800 $332,700
Typical monthly rent $811 $817 $1,403 $1,413
Typical yearly household income $42,150 $44,100 $78,476 $80,734
Households that own their home 66% 67% 63% 65%
Typical yearly property tax $1,690 $1,779 $4,232 $3,119
Effective property tax rate 1.68% 1.69% 1.49% 0.94%
Renters with high rent for their income 55% 51% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Terry 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 Brownfield

For a typical $100,600 home in Brownfield, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Brownfield's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $896a month

    Least cash to close
    Down payment
    $3,521
    Cash to close
    $6,539
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $44

  • Conventional, 5% down $878a month

    Down payment
    $5,030
    Cash to close
    $8,048
    Rate
    7.18%
    Mortgage insurance
    PMI · $48

  • Conventional, 20% down, no PMI $728a month

    Down payment
    $20,120
    Cash to close
    $23,138
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $821a month

    Down payment
    $15,090
    Cash to close
    $18,108
    Rate
    8.18%
    Mortgage insurance
    None

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.

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 Brownfield and for Terry County.

Property tax

Effective rate in Brownfield

1.68%of the home’s value each year

$1,690 a year for the typical owner in Brownfield.

  • Brownfield 1.68%
  • Terry 1.69%
  • Texas 1.49%

What Texas publishes School-district homestead exemption (Texas Comptroller of Public Accounts)

Exemptions and deadlines in Texas

Flood risk in Terry County

FEMA does not publish these numbers by city: they are for all of Terry County.

FEMA’s maps count no homes in the high-risk zone in Terry County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Brownfield

Typical rent in Brownfield is $811 a month: about the same as the county. In Brownfield, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Terry 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.

HUD fair market rent for all of Terry 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 $771 $14.83 $30,840
1 bedroom $775 $14.90 $31,000
2 bedrooms $1,014 $19.50 $40,560
3 bedrooms $1,310 $25.19 $52,400
4 bedrooms $1,497 $28.79 $59,880

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 Brownfield

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Brownfield is in ZIP code 79316.

For 2 bedrooms it is $1,020: $6 more than the fair market rent for Terry County ($1,014).

  • 79316 $1,020$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 Brownfield 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?

Low-income apartments

Low-income apartments in Brownfield

HUD lists 2 buildings with rents for lower incomes in Brownfield. These are the largest.

  • South Plains Regional Housing Authority 104 E Hill St, Brownfield 79316 48 low-income homes · For families
  • Brownfield Seniors Community 601 E Felt St, Brownfield 79316 24 low-income homes · 1 bd: 24 · In service since 1995

See all 2 buildings in Terry County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Brownfield

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 Terry County. The nearest ones are below; many serve by phone or online.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Brownfield

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

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

  • Midland Community Development Corp

    208 S Marienfeld St, Midland · 82 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (432) 682-2520

  • Odessa Affordable Housing, Inc.

    3801 N Dixie Blvd, Odessa · 89 miles away

    • Pre-purchase counseling
    • Homebuyer education workshops
    (432) 362-2349

  • Adults and Youth United Development Association Inc

    1325 Beverly Ann Dr, San Elizario · 258 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (915) 584-2875

All counseling agencies in Texas

Help in Spanish near Brownfield

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 Brownfield

HUD lists no housing authority with an office in Terry County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Texas Source: HUD

Cities

Nearby cities

The cities closest to Brownfield, with the typical home value.

Everything about Terry County Housing in Texas

Neighboring counties

If Terry 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 Brownfield.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Brownfield

Short answers with the numbers for Brownfield and all of Terry 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 Brownfield?

The typical home value in Brownfield is $100,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Terry County it is $105,400.

How much does it cost to rent in Brownfield?

Typical rent in Brownfield is $811 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Terry County is $1,014.

What is the FHA loan limit in Brownfield?

Brownfield uses the FHA limit for all of Terry 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 Brownfield?

The typical homeowner in Brownfield pays $1,690 a year, according to the U.S. Census Bureau. That is 1.68% of the home’s value; in Terry County, the rate is 1.69%.

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

We found no HUD-approved counseling agencies with an office in Terry County; the nearest ones are on this page. 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).