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City · 87,939 residents · Brazos County, Texas

Bryan , Texas

In Bryan, a typical home is worth $227,800 and typical rent is $1,195 a month. Compared with all of Brazos County, the typical home value is 23% lower.

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  • Typical home value

    $227,800

    23% below the county

    20% below Texas

    • Bryan
    • Brazos
    • Texas

  • Typical rent

    $1,195a month

    About the same as the county

    15% below Texas

    • Bryan
    • Brazos
    • Texas

  • Typical household income

    $59,289a year

    About the same as the county

    24% below Texas

    • Bryan
    • Brazos
    • Texas

  • Households that own their home

    51%

    4 points above the county

    12 points below Texas

    • Bryan
    • Brazos
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$272,213
about the same as 12 months ago
Typical rent
$1,428 a month
about the same as 12 months ago

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

Bryan is in Brazos 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 Brazos County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Bryan apart

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

  1. Nearby, in Cameron, the typical home value is $125,000: 45% less than in Bryan ($227,800).

  2. Nearby, in Navasota, the typical rent is $860: 28% less than in Bryan ($1,195).

  3. The typical home in Bryan is worth $227,800, 23% less than in Brazos County as a whole ($296,000).

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

The homes here

Housing in Bryan

What homes there are in Bryan, 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

The detached house rules in Bryan: 55% of homes, more than in Brazos County (51%).

Year built

The typical home in Bryan was built in 1991, 6 years before the typical one in Brazos County.

By size, homes in Bryan look like those in Brazos County: 57% have 3 bedrooms or more.

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

About 95% of owner-occupied homes in Bryan are worth less than the FHA loan limit for Brazos County ($541,287).

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Brazos County is $1,151: about 43% of rents in Bryan are below it.

With a mortgage

$1,700 a month

Brazos County: $1,972 a month

Without a mortgage

$605 a month

Brazos County: $721 a month

Owners with a mortgage

56%

Brazos County: 57%

In Bryan, 56% of owners have a mortgage, and their typical cost is $1,700 a month, against $1,972 in Brazos County. Without one it drops to $605.

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

The typical home value in Bryan rose 54% since 2015–2019, more than in Brazos County (47%).

Rents in Bryan rose faster than in Brazos County: 31% since 2015–2019, against 26%.

The typical household income in Bryan rose 30% over that time; home values changed +54% and rent +31%.

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

MeasureBryanBrazos CountyTexasUnited States
Rental vacancy 8.1%7.5%7.7%5.5%
Homeowner vacancy Unreliable estimate1.0%1.1%0.9%
More than one person per room 3.9%3.2%4.8%3.4%
People per household 2.512.462.692.53
Drive alone 77%73%71%69%
Carpool 12%9%10%9%
Public transit 1%2%1%3%
Walk or bike 2%4%2%3%
Work from home 8%11%14%15%
Other means 1%1%2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Much as in Brazos County, the rental vacancy rate in Bryan is 8.1%.

In Bryan, 3.9% of households live with more than one person per room, about the same as in Brazos County.

A household in Bryan has 2.51 people on average, about the same as in Brazos County (2.46).

In Bryan, 77% of workers drive alone to work; in Brazos County, 73%.

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 Bryan?

A typical home costs more than the typical income allows

We start with a typical home in Bryan, worth $227,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Bryan, which is $59,289 a year. For that payment to be 28% of income, a household would need to earn about $85,773 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Bryan. 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 $7,973 (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

$2,001

at 7.18% · 30 years

Loan amount
$223,674
Total interest
$321,814
Paid off in
November 2056

Includes $3,847 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,383 a month

  • Tight

    $1,383 to $1,779 a month

  • Hard

    more than $1,779 a month

    Your payment · 41%

Compared with the typical household income in Bryan ($59,289 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,001
Principal & interest$1,515
Property tax$290
Home insurance$95
FHA mortgage insurance (MIP)$101

You need at least $7,973 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

Bryan and Brazos County

Bryan is in Brazos 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).

Bryan's own numbers

Typical home value
$227,800
Typical monthly rent
$1,195
Typical yearly household income
$59,289
Households that own their home
51%
Effective property tax rate
1.53%

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

Numbers for all of Brazos County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,151
Price change over 5 years (FHFA)
+47%
Homes in a high flood-risk zone
1.6%

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 Brazos County.

Everything about Brazos County

Buying

Buying a home in Bryan

A typical home in Bryan is worth $227,800: 23% below the county and 20% below Texas. With the typical household income in Bryan ($59,289 a year), a typical home costs 3.8 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.

  • Bryan 3.8 years
  • Brazos 5.1 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Brazos County

According to FHFA’s house price index, home prices in Brazos County rose 87% in the 10 years through 2025.

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

Period County Texas U.S.
Last year (2025) +2.0% +0.8% +2.9%
5 years (2020–2025) +47% +44% +47%
10 years (2015–2025) +87% +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

Bryan next to Brazos 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
  • Bryan $227,800
  • Brazos $296,000
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Bryan $1,195
  • Brazos $1,193
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Bryan $59,289
  • Brazos $58,553
  • Texas $78,476
  • United States $80,734
See the full table
Bryan next to Brazos County and Texas
Measure Bryan Brazos County Texas U.S.
Typical home value $227,800 $296,000 $283,800 $332,700
Typical monthly rent $1,195 $1,193 $1,403 $1,413
Typical yearly household income $59,289 $58,553 $78,476 $80,734
Households that own their home 51% 47% 63% 65%
Typical yearly property tax $3,479 $4,568 $4,232 $3,119
Effective property tax rate 1.53% 1.54% 1.49% 0.94%
Renters with high rent for their income 57% 61% 52% 51%

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

For a typical $227,800 home in Bryan, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bryan's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,001a month

    Least cash to close
    Down payment
    $7,973
    Cash to close
    $14,807
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $101

  • Conventional, 5% down $1,960a month

    Down payment
    $11,390
    Cash to close
    $18,224
    Rate
    7.18%
    Mortgage insurance
    PMI · $108

  • Conventional, 20% down, no PMI $1,620a month

    Down payment
    $45,560
    Cash to close
    $52,394
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,831a month

    Down payment
    $34,170
    Cash to close
    $41,004
    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 Bryan and for Brazos County.

Property tax

Effective rate in Bryan

1.53%of the home’s value each year

$3,479 a year for the typical owner in Bryan.

  • Bryan 1.53%
  • Brazos 1.54%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in Brazos County

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

Homes in the high-risk zone
1.6%
1,007
Of those, with NFIP insurance
42%
County Texas U.S.
Homes in the high-risk zone 1.6% 4.1% 3.5%
Of those, with NFIP insurance 42% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Bryan

Typical rent in Bryan is $1,195 a month: about the same as the county. In Bryan, 57% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Brazos County, by unit size. To pay the 2-bedroom one ($1,151 a month) without spending more than 30% of your income, you would need to earn $22.13 an hour working full time.

HUD fair market rent for all of Brazos 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 $1,005 $19.33 $40,200
1 bedroom $1,057 $20.33 $42,280
2 bedrooms $1,151 $22.13 $46,040
3 bedrooms $1,594 $30.65 $63,760
4 bedrooms $1,900 $36.54 $76,000

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 Bryan

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Bryan has 4 ZIP codes with their own.

For 2 bedrooms it runs from $1,070 in 77801 to $1,340 in 77802.

2 of the 4 are above the fair market rent for Brazos County ($1,151).

  • 77801 $1,070$1,490
  • 77802 $1,340$1,860
  • 77803 $1,130$1,560
  • 77807 $1,250$1,730

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Bryan 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 Bryan

HUD lists 9 buildings with rents for lower incomes in Bryan. These are the largest.

  • George Washington Carver Homes 1047 Bryant St, Bryan 77803 300 homes, 298 low-income · Run by Housing Authority of the City of Bryan · Average payment: $407 a month · Average wait: 9 months · Homes at several sites (979) 822-2013
  • Saddlewood Club 3625 Wellborn Rd, Bryan 77801 232 low-income homes · 1 bd: 48 · 2 bd: 112 · 3 bd: 72 · In service since 1996 · For people with disabilities
  • Highland Villas 2900 Wildflower Dr, Bryan 77802 180 low-income homes · In service since 2014
  • Forest Park Apts 1828 Sandy Point Rd, Bryan 77807 140 homes, 119 low-income · 2 bd: 80 · 3 bd: 60 · In service since 2005
  • Crestview Terrace Apts (R4P Blend Pendin/202 HAP) 2501 E Villa Maria Rd, Bryan 77802 100 low-income homes · For people with disabilities (979) 776-9294

See all 17 buildings in Brazos County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Bryan

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 Brazos 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 Bryan

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

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

  • NSC (naca Counseling Subsidiary) - Houston, TX

    14425 Torrey Chase Blvd Ste 200, Houston · 71 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (713) 706-3400

  • Neighborhood Housing Services of Waco, Inc.

    922 Franklin Ave, Waco · 76 miles away · Spanish

    • Budget and credit workshops
    • Workshops for new owners
    • and 2 more
    (254) 752-1647

  • Waco Community Development Corporation

    1624 Colcord Ave, Waco · 77 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 4 more
    (254) 235-7358

All counseling agencies in Texas

Help in Spanish near Bryan

3 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 Bryan

HUD’s record names them for Bryan or Brazos County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of the City of Bryan Public housing (979) 822-2013

One other authority has an office in Brazos County: see the list Source: HUD

Cities

Other cities in Brazos County

These cities are also in Brazos County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Brazos County Housing in Texas

Nearby cities

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

Neighboring counties

If Brazos 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 Bryan.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Bryan

Short answers with the numbers for Bryan and all of Brazos 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 Bryan?

The typical home value in Bryan is $227,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Brazos County it is $296,000.

How much does it cost to rent in Bryan?

Typical rent in Bryan is $1,195 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Brazos County is $1,151.

What is the FHA loan limit in Bryan?

Bryan uses the FHA limit for all of Brazos 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 Bryan?

The typical homeowner in Bryan pays $3,479 a year, according to the U.S. Census Bureau. That is 1.53% of the home’s value; in Brazos County, the rate is 1.54%.

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

We found no HUD-approved counseling agencies with an office in Brazos 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).