In Brownwood, a typical home is worth $144,400 and typical rent is $882 a month. Compared with all of Brown County, typical household income is 15% lower, the typical home value is 9% 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 $156,285 to $170,932.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Brownwood is in Brown 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 Brown County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Breckenridge, the typical home value is $75,900: 47% less than in Brownwood ($144,400).
2
55% of households in Brownwood own their home, against 68% in Brown County.
3
Brownwood has the 39th lowest typical rent of the 413 cities in Texas with more than 5,000 people ($882).
4
Brownwood has the 42nd lowest typical household income of the 424 cities in Texas with more than 5,000 people ($48,981).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Brownwood
What homes there are in Brownwood, 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
Brownwood
Brown County
Texas
United States
Kind of home: Brownwood and its comparisons
Measure
Brownwood
Brown County
Texas
United States
Detached house
65%
66%
64%
61%
Attached house
Unreliable estimate
1%
3%
6%
Building of 2 to 4
10%
6%
5%
8%
Apartments (5 or more)
20%
11%
21%
19%
Mobile home
3%
16%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Brownwood, 7 in 10 homes are single-family detached houses, about the same as in Brown County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Brownwood
Brown County
Texas
United States
Year built: Brownwood and its comparisons
Measure
Brownwood
Brown County
Texas
United States
Before 1960
32%
24%
12%
26%
1960–1979
37%
30%
21%
24%
1980–1999
21%
28%
28%
25%
2000–2009
4%
9%
18%
14%
2010 or later
6%
8%
21%
11%
The typical home in Brownwood was built in 1972, 6 years before the typical one in Brown County.
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 $100K31%
$100K–$200K41%
$200K–$300K20%
$300K–$500K6%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Brownwood and its comparisons
Measure
Brownwood
Under $100K
31%
$100K–$200K
41%
$200K–$300K
20%
$300K–$500K
6%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
At least 97% of owner-occupied homes in Brownwood are worth less than $500,000, below the FHA loan limit for Brown County ($541,287).
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50017%
$500–$99951%
$1,000–$1,49925%
HUD fair market rent, 2 bedrooms: $1,137
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Brownwood and its comparisons
Measure
Brownwood
Under $500
17%
$500–$999
51%
$1,000–$1,499
25%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
By rent, most homes in Brownwood cost less than HUD's 2-bedroom fair market rent ($1,137): about 74%.
With a mortgage
$1,465 a month
Brown County: $1,480 a month
Without a mortgage
$571 a month
Brown County: $557 a month
Owners with a mortgage
48%
Brown County: 44%
Owning costs about the same in Brownwood as in Brown County: with a mortgage, $1,465 a month; without one, $571.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Brownwood+51%
Brown County+55%
Texas+65%
United States+53%
Typical rent
Brownwood+12%
Brown County+20%
Texas+34%
United States+33%
Typical household income
BrownwoodNo clear change
Brown County+19%
Texas+27%
United States+29%
Change since 2015–2019: Brownwood and its comparisons
Measure
Brownwood
Brown County
Texas
United States
Typical home value
+51%
+55%
+65%
+53%
Typical rent
+12%
+20%
+34%
+33%
Typical household income
No clear change
+19%
+27%
+29%
From 2015–2019 to 2020–2024, the typical home value in Brownwood rose 51%; in Brown County, it rose 55%.
Rents in Brownwood rose more slowly than in Brown County: 12% since 2015–2019, against 20%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Brownwood and its comparisons
Measure
Brownwood
Brown County
Texas
United States
Rental vacancy
5.5%
5.6%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
3.9%
3.1%
4.8%
3.4%
People per household
2.40
2.45
2.69
2.53
Drive alone
81%
79%
71%
69%
Carpool
12%
14%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
4%
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 Brown County, the rental vacancy rate in Brownwood is 5.5%.
More than one person per room: that is how 3.9% of households in Brownwood live, near the figure in Brown County (3.1%).
A household in Brownwood has 2.40 people on average, about the same as in Brown County (2.45).
The car rules in Brownwood: 81% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.
Do the math
What would you pay each month for a home in Brownwood?
A typical home is tight for the typical income
We start with a typical home in Brownwood, worth $144,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Brownwood, which is $48,981 a year. For that payment to be 28% of income, a household would need to earn about $54,370 a year.
The calculator's FHA and conventional loan limits are those of all of Brown 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 Brownwood. 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 $5,054 (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
$1,269
at 7.18% · 30 years
Loan amount
$141,785
Total interest
$203,995
Paid off in
November 2056
Includes $2,439 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,143 a month
Tight
$1,143 to $1,469 a month
Your payment · 31%
Hard
more than $1,469 a month
Compared with the typical household income in Brownwood ($48,981 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$960
Property tax
$184
Home insurance
$60
FHA mortgage insurance (MIP)
$64
You need at least $5,054 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 $1,269; principal and interest $960.
The city and its county
Brownwood and Brown County
Brownwood is in Brown 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).
Brownwood
Map of Brown County, Texas, with Brownwood marked. Around it, the neighboring counties.
Brownwood
Brown County
Brownwood's own numbers
Typical home value
$144,400
Typical monthly rent
$882
Typical yearly household income
$48,981
Households that own their home
55%
Effective property tax rate
1.53%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Brown County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,137
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
12%
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 Brown County.
A typical home in Brownwood is worth $144,400: 9% below the county and 49% below Texas. With the typical household income in Brownwood ($48,981 a year), a typical home costs 2.9 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.
Brownwood2.9 years
Brown2.8 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Brown County
According to FHFA’s house price index, home prices in Brown County rose 88% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Brown County.
Yearly change in FHFA’s price index in Brown County, 2016 to 2025
2016: +3.3% +3.3% 2016
2017: +6.2% +6.2% 2017
2018: +1.4% +1.4% 2018
2019: +4.6% +4.6% 2019
2020: +3.6% +3.6% 2020
2021: +16.9% +16.9% 2021
2022: +15.6% +15.6% 2022
2023: +9.0% +9.0% 2023
2024: +1.1% +1.1% 2024
2025: +4.7% +4.7% 2025
Change in FHFA’s price index in Brown County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+4.7%
+0.8%
+2.9%
5 years (2020–2025)
+56%
+44%
+47%
10 years (2015–2025)
+88%
+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
Brownwood next to Brown 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
Brownwood$144,400
Brown$158,900
Texas$283,800
United States$332,700
Typical monthly rent
Brownwood$882
Brown$919
Texas$1,403
United States$1,413
Typical yearly household income
Brownwood$48,981
Brown$57,470
Texas$78,476
United States$80,734
See the full table
Brownwood next to Brown County and Texas
Measure
Brownwood
Brown County
Texas
U.S.
Typical home value
$144,400 ▼9% below the county
$158,900
$283,800
$332,700
Typical monthly rent
$882 ▼4% below the county
$919
$1,403
$1,413
Typical yearly household income
$48,981 ▼15% below the county
$57,470
$78,476
$80,734
Households that own their home
55% ▼14 points below the county
68%
63%
65%
Typical yearly property tax
$2,208 ▲25% above the county
$1,770
$4,232
$3,119
Effective property tax rate
1.53% ▲0.42 points above the county
1.11%
1.49%
0.94%
Renters with high rent for their income
57% ▲1 points above the county
57%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Brown 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 Brownwood
For a typical $144,400 home in Brownwood, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Brownwood's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,269a month
Least cash to close
Down payment
$5,054
Cash to close
$9,386
Rate
7.18%
Mortgage insurance
FHA MIP · $64
Conventional, 5% down$1,242a month
Down payment
$7,220
Cash to close
$11,552
Rate
7.18%
Mortgage insurance
PMI · $69
Conventional, 20% down, no PMI$1,027a month
Down payment
$28,880
Cash to close
$33,212
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,160a month
Down payment
$21,660
Cash to close
$25,992
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Brownwood
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,269
$5,054
$141,785
7.18%
FHA MIP · $64
$9,386
580
Conventional, 5% down
$1,242
$7,220
$137,180
7.18%
PMI · $69
$11,552
620*
Conventional, 20% down, no PMI
$1,027
$28,880
$115,520
7.18%
None
$33,212
620*
ITIN, 15% down (example)
$1,160
$21,660
$122,740
8.18%
None
$25,992
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 Brownwood is $882 a month: 4% below the county. In Brownwood, 57% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Brown County, by unit size. To pay the 2-bedroom one ($1,137 a month) without spending more than 30% of your income, you would need to earn $21.87 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 Brown County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$843
$16.21
$33,720
1 bedroom
$869
$16.71
$34,760
2 bedrooms
$1,137
$21.87
$45,480
3 bedrooms
$1,468
$28.23
$58,720
4 bedrooms
$1,650
$31.73
$66,000
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 Brownwood
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Brownwood has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,120 in 76801 to $1,430 in 76802.
1 of the 2 is above the fair market rent for Brown County ($1,137).
Fair market rent by ZIP code and size in Brownwood, fiscal year 2027.
76801
$830
$860
$1,120
$1,450
$1,630
76802
$1,060
$1,090
$1,430
$1,850
$2,070
ZIP code2 bd3 bd
76801 $1,120$1,450
76802 $1,430$1,850
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Brownwood 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 8 buildings with rents for lower incomes in Brownwood. These are the largest.
Sunset Terrace1500 Dublin St, Brownwood 76801236 homes, 234 low-income · Run by Housing Authority of the City of Brownwood · Average payment: $396 a month · Average wait: 6 months(325) 646-0790
Brownwood Retirement Village318 Bluffview Dr, Brownwood 7680176 low-income homes · In service since 2003 · For older adults
Wildwood Trails Apts1500 Davis Ln, Brownwood 7680175 low-income homes · 1 bd: 20 · 2 bd: 31 · 3 bd: 24 · In service since 2006
Brownwood Apts II320 Bluffview Dr, Brownwood 7680172 low-income homes · 1 bd: 16 · 2 bd: 44 · 3 bd: 12 · In service since 2001
Market Place Apts340 Market Place Blvd, Brownwood 7680160 homes, 59 low-income · 1 bd: 12 · 2 bd: 48 · In service since 2007 · For older adults
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 Brown 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 Brownwood or Brown County. The ones below are statewide in Texas: they work in Brownwood 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 Brownwood or Brown 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 Brownwood and all of Brown 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 Brownwood?
The typical home value in Brownwood is $144,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Brown County it is $158,900.
How much does it cost to rent in Brownwood?
Typical rent in Brownwood is $882 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Brown County is $1,137.
What is the FHA loan limit in Brownwood?
Brownwood uses the FHA limit for all of Brown 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 Brownwood?
The typical homeowner in Brownwood pays $2,208 a year, according to the U.S. Census Bureau. That is 1.53% of the home’s value; in Brown County, the rate is 1.11%.
Where can I find free help to buy or rent in Brownwood?
We found no HUD-approved counseling agencies with an office in Brown County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
