In Cameron, a typical home is worth $125,000 and typical rent is $962 a month. Compared with all of Milam County, the typical home value is 34% lower, typical household income is 6% lower, and the share of households that own their home is 21 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $238,559 to $244,391.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Cameron is in Milam 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 Milam County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Marlin, the typical home value is $66,000: 47% less than in Cameron ($125,000).
2
56% of households in Cameron own their home, against 77% in Milam County.
3
The typical home in Cameron is worth $125,000,34% less than in Milam County as a whole ($189,800).
4
Nearby, in Marlin, the typical rent is $689: 28% less than in Cameron ($962).
5
According to Zillow, in the 12 months to September 2026 the typical home value in Cameron rose 1.7%; in Texas, it fell 1.4%.
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Cameron
What homes there are in Cameron, 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
Cameron
Milam County
Texas
United States
Kind of home: Cameron and its comparisons
Measure
Cameron
Milam County
Texas
United States
Detached house
73%
75%
64%
61%
Attached house
Unreliable estimate
Unreliable estimate
3%
6%
Building of 2 to 4
18%
5%
5%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
21%
19%
Mobile home
Unreliable estimate
17%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in Milam County, most homes in Cameron are detached houses (73%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Cameron
Milam County
Texas
United States
Year built: Cameron and its comparisons
Measure
Cameron
Milam County
Texas
United States
Before 1960
28%
21%
12%
26%
1960–1979
46%
25%
21%
24%
1980–1999
17%
24%
28%
25%
2000–2009
Unreliable estimate
14%
18%
14%
2010 or later
Unreliable estimate
16%
21%
11%
The typical home in Cameron was built in 1973, 10 years before the typical one in Milam County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K34%
$100K–$200K42%
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Cameron and its comparisons
Measure
Cameron
Under $100K
34%
$100K–$200K
42%
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99941%
$1,000–$1,49937%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Cameron and its comparisons
Measure
Cameron
Under $500
Unreliable estimate
$500–$999
41%
$1,000–$1,499
37%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,352 a month
Milam County: $1,761 a month
Without a mortgage
$498 a month
Milam County: $541 a month
Owners with a mortgage
42%
Milam County: 39%
In Cameron, 42% of owners have a mortgage, and their typical cost is $1,352 a month, against $1,761 in Milam County. Without one it drops to $498.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Cameron+56%
Milam County+77%
Texas+65%
United States+53%
Typical rent
Cameron+50%
Milam County+34%
Texas+34%
United States+33%
Typical household income
Cameron+67%
Milam County+38%
Texas+27%
United States+29%
Change since 2015–2019: Cameron and its comparisons
Measure
Cameron
Milam County
Texas
United States
Typical home value
+56%
+77%
+65%
+53%
Typical rent
+50%
+34%
+34%
+33%
Typical household income
+67%
+38%
+27%
+29%
Homes in Cameron gained value more slowly than in Milam County: 56% since 2015–2019, against 77%.
The typical rent in Cameron rose 50% over the same time; in Milam County, it rose 34%.
The typical household income in Cameron rose 67%: more than home values (+56%) and rent (+50%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Cameron and its comparisons
Measure
Cameron
Milam 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
5.0%
4.8%
3.4%
People per household
2.67
2.47
2.69
2.53
Drive alone
74%
77%
71%
69%
Carpool
Unreliable estimate
8%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
Unreliable estimate
10%
14%
15%
Other means
Unreliable estimate
3%
2%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
On average, a household in Cameron has 2.67 people, more than in Milam County (2.47).
To get to work, 74% of workers in Cameron drive alone; in Milam County, 77%.
Do the math
What would you pay each month for a home in Cameron?
A typical home is within reach of the typical income
We start with a typical home in Cameron, worth $125,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 21% of the typical household income in Cameron, which is $62,443 a year.
The calculator's FHA and conventional loan limits are those of all of Milam 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 Cameron. 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 $4,375 (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
$1,095
at 7.18% · 30 years
Loan amount
$122,736
Total interest
$176,588
Paid off in
November 2056
Includes $2,111 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,457 a month
Your payment · 21%
Tight
$1,457 to $1,873 a month
Hard
more than $1,873 a month
Compared with the typical household income in Cameron ($62,443 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$831
Property tax
$156
Home insurance
$52
FHA mortgage insurance (MIP)
$55
You need at least $4,375 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 $1,095; principal and interest $831.
The city and its county
Cameron and Milam County
Cameron is in Milam 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).
Cameron
Map of Milam County, Texas, with Cameron marked. Around it, the neighboring counties.
Cameron
Milam County
Other cities with a page
Cameron's own numbers
Typical home value
$125,000
Typical monthly rent
$962
Typical yearly household income
$62,443
Households that own their home
56%
Effective property tax rate
1.5%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Milam County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,126
Price change over 5 years (FHFA)
+57%
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 Milam County.
A typical home in Cameron is worth $125,000: 34% below the county and 56% below Texas. With the typical household income in Cameron ($62,443 a year), a typical home costs 2.0 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.
Cameron2.0 years
Milam2.9 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Milam County
According to FHFA’s house price index, home prices in Milam County rose 118% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Milam County.
Yearly change in FHFA’s price index in Milam County, 2016 to 2025
2016: +6.8% +6.8% 2016
2017: +7.0% +7.0% 2017
2018: +9.3% +9.3% 2018
2019: +6.7% +6.7% 2019
2020: +4.5% +4.5% 2020
2021: +15.0% +15.0% 2021
2022: +28.9% +28.9% 2022
2023: +3.3% +3.3% 2023
2024: +2.8% +2.8% 2024
2025: −0.5% −0.5% 2025
Change in FHFA’s price index in Milam County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
−0.5%
+0.8%
+2.9%
5 years (2020–2025)
+57%
+44%
+47%
10 years (2015–2025)
+118%
+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
Cameron next to Milam 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
Cameron$125,000
Milam$189,800
Texas$283,800
United States$332,700
Typical monthly rent
Cameron$962
Milam$984
Texas$1,403
United States$1,413
Typical yearly household income
Cameron$62,443
Milam$66,141
Texas$78,476
United States$80,734
See the full table
Cameron next to Milam County and Texas
Measure
Cameron
Milam County
Texas
U.S.
Typical home value
$125,000 ▼34% below the county
$189,800
$283,800
$332,700
Typical monthly rent
$962 ▼2% below the county
$984
$1,403
$1,413
Typical yearly household income
$62,443 ▼6% below the county
$66,141
$78,476
$80,734
Households that own their home
56% ▼21 points below the county
77%
63%
65%
Typical yearly property tax
$1,873
$1,875
$4,232
$3,119
Effective property tax rate
1.5% ▲0.51 points above the county
0.99%
1.49%
0.94%
Renters with high rent for their income
43% ▼5 points below the county
49%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Milam 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 Cameron
For a typical $125,000 home in Cameron, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cameron's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,095a month
Least cash to close
Down payment
$4,375
Cash to close
$8,125
Rate
7.18%
Mortgage insurance
FHA MIP · $55
Conventional, 5% down$1,072a month
Down payment
$6,250
Cash to close
$10,000
Rate
7.18%
Mortgage insurance
PMI · $59
Conventional, 20% down, no PMI$886a month
Down payment
$25,000
Cash to close
$28,750
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,001a month
Down payment
$18,750
Cash to close
$22,500
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Cameron
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,095
$4,375
$122,736
7.18%
FHA MIP · $55
$8,125
580
Conventional, 5% down
$1,072
$6,250
$118,750
7.18%
PMI · $59
$10,000
620*
Conventional, 20% down, no PMI
$886
$25,000
$100,000
7.18%
None
$28,750
620*
ITIN, 15% down (example)
$1,001
$18,750
$106,250
8.18%
None
$22,500
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 Cameron is $962 a month: 2% below the county. In Cameron, 43% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Milam County, by unit size. To pay the 2-bedroom one ($1,126 a month) without spending more than 30% of your income, you would need to earn $21.65 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 Milam County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$856
$16.46
$34,240
1 bedroom
$861
$16.56
$34,440
2 bedrooms
$1,126
$21.65
$45,040
3 bedrooms
$1,448
$27.85
$57,920
4 bedrooms
$1,793
$34.48
$71,720
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 Cameron
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cameron is in ZIP code 76520.
For 2 bedrooms it is $1,120: $6 less than the fair market rent for Milam County ($1,126).
Fair market rent by ZIP code and size in Cameron, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
76520
$850
$860
$1,120
$1,440
$1,780
ZIP code2 bd3 bd
76520 $1,120$1,440
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Cameron 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 3 buildings with rents for lower incomes in Cameron. These are the largest.
North Village1406 N Crockett Ave, Cameron 76520150 homes, 142 low-income · Run by Housing Authority of Cameron · Average payment: $389 a month · Average wait: 14 months(254) 697-6523
Williams Trace Apts100 E 22nd St, Cameron 7652068 low-income homes · In service since 2003
Milam Senior Estates1100 N Crockett Ave, Cameron 7652032 low-income homes · 1 bd: 26 · 2 bd: 6 · In service since 1991
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 Milam 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 Cameron or Milam County. The ones below are statewide in Texas: they work in Cameron 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 Cameron or Milam 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 Cameron and all of Milam 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 Cameron?
The typical home value in Cameron is $125,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Milam County it is $189,800.
How much does it cost to rent in Cameron?
Typical rent in Cameron is $962 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Milam County is $1,126.
What is the FHA loan limit in Cameron?
Cameron uses the FHA limit for all of Milam 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 Cameron?
The typical homeowner in Cameron pays $1,873 a year, according to the U.S. Census Bureau. That is 1.5% of the home’s value; in Milam County, the rate is 0.99%.
Where can I find free help to buy or rent in Cameron?
We found no HUD-approved counseling agencies with an office in Milam County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
