In Camp Swift, a typical home is worth $208,500 and typical rent is $1,352 a month. Compared with all of Bastrop County, the typical home value is 34% lower and typical household income is 26% lower.
Camp Swift is in Bastrop County. The FHA loan limit ($571,550 for a one-unit home), the fair market rents and the help on this page are those of all of Bastrop County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical home in Camp Swift is worth $208,500,34% less than in Bastrop County as a whole ($314,800).
2
The typical household income in Camp Swift is $63,944,26% less than in Bastrop County as a whole ($86,226).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Camp Swift
What homes there are in Camp Swift, 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
Camp Swift
Bastrop County
Texas
United States
Kind of home: Camp Swift and its comparisons
Measure
Camp Swift
Bastrop County
Texas
United States
Detached house
48%
67%
64%
61%
Attached house
Unreliable estimate
2%
3%
6%
Building of 2 to 4
Unreliable estimate
3%
5%
8%
Apartments (5 or more)
Unreliable estimate
3%
21%
19%
Mobile home
51%
24%
6%
6%
Boat, RV and other
Unreliable estimate
2%
0%
0%
No kind of home is the majority in Camp Swift; the largest group, mobile homes, adds up to 51%, against 24% in Bastrop County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Camp Swift
Bastrop County
Texas
United States
Year built: Camp Swift and its comparisons
Measure
Camp Swift
Bastrop County
Texas
United States
Before 1960
Unreliable estimate
10%
12%
26%
1960–1979
20%
13%
21%
24%
1980–1999
33%
29%
28%
25%
2000–2009
13%
21%
18%
14%
2010 or later
31%
27%
21%
11%
By age, homes in Camp Swift look like those in Bastrop County: the typical year built is 1997.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K36%
$200K–$300K29%
$300K–$500K19%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Camp Swift and its comparisons
Measure
Camp Swift
Under $100K
Unreliable estimate
$100K–$200K
36%
$200K–$300K
29%
$300K–$500K
19%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Camp Swift and its comparisons
Measure
Camp Swift
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$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
$1,558 a month
Bastrop County: $1,989 a month
Without a mortgage
$602 a month
Bastrop County: $697 a month
Owners with a mortgage
46%
Bastrop County: 53%
In Camp Swift, 46% of owners have a mortgage, and their typical cost is $1,558 a month, against $1,989 in Bastrop County. Without one it drops to $602.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Camp Swift+56%
Bastrop County+83%
Texas+65%
United States+53%
Typical rent
Camp SwiftNo clear change
Bastrop County+34%
Texas+34%
United States+33%
Typical household income
Camp Swift+25%
Bastrop County+34%
Texas+27%
United States+29%
Change since 2015–2019: Camp Swift and its comparisons
Measure
Camp Swift
Bastrop County
Texas
United States
Typical home value
+56%
+83%
+65%
+53%
Typical rent
No clear change
+34%
+34%
+33%
Typical household income
+25%
+34%
+27%
+29%
The typical home value in Camp Swift rose 56% since 2015–2019, less than in Bastrop County (83%).
The typical rent in Camp Swift 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: Camp Swift and its comparisons
Measure
Camp Swift
Bastrop 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
5.3%
4.8%
3.4%
People per household
3.25
2.81
2.69
2.53
Drive alone
67%
68%
71%
69%
Carpool
21%
11%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
Unreliable estimate
16%
14%
15%
Other means
Unreliable estimate
3%
2%
2%
Typical commute
Unreliable estimate
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in Camp Swift has 3.25 people, more than in Bastrop County (2.81).
Carpooling is common in Camp Swift: 21% of workers get to work that way, against 11% in Bastrop County.
Do the math
What would you pay each month for a home in Camp Swift?
A typical home is tight for the typical income
We start with a typical home in Camp Swift, worth $208,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Camp Swift, which is $63,944 a year. For that payment to be 28% of income, a household would need to earn about $77,835 a year.
The calculator's FHA and conventional loan limits are those of all of Bastrop 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 Camp Swift. 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 $7,298 (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
$1,816
at 7.18% · 30 years
Loan amount
$204,723
Total interest
$294,548
Paid off in
November 2056
Includes $3,521 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,492 a month
Tight
$1,492 to $1,918 a month
Your payment · 34%
Hard
more than $1,918 a month
Compared with the typical household income in Camp Swift ($63,944 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,387
Property tax
$250
Home insurance
$87
FHA mortgage insurance (MIP)
$92
You need at least $7,298 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 $1,816; principal and interest $1,387.
The city and its county
Camp Swift and Bastrop County
Camp Swift is in Bastrop 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).
Camp Swift
Map of Bastrop County, Texas, with Camp Swift marked. Around it, the neighboring counties.
Camp Swift
Bastrop County
Other cities with a page
Camp Swift's own numbers
Typical home value
$208,500
Typical monthly rent
$1,352
Typical yearly household income
$63,944
Households that own their home
72%
Effective property tax rate
1.44%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Bastrop County
FHA limit, one-unit home
$571,550
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,817
Price change over 5 years (FHFA)
+52%
Homes in a high flood-risk zone
3.4%
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 Bastrop County.
A typical home in Camp Swift is worth $208,500: 34% below the county and 27% below Texas. With the typical household income in Camp Swift ($63,944 a year), a typical home costs 3.3 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.
Camp Swift3.3 years
Bastrop3.7 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Bastrop County
According to FHFA’s house price index, home prices in Bastrop County rose 121% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Bastrop County.
Yearly change in FHFA’s price index in Bastrop County, 2016 to 2025
2016: +10.9% +10.9% 2016
2017: +7.6% +7.6% 2017
2018: +9.6% +9.6% 2018
2019: +6.5% +6.5% 2019
2020: +4.3% +4.3% 2020
2021: +19.0% +19.0% 2021
2022: +24.6% +24.6% 2022
2023: −0.2% −0.2% 2023
2024: +1.1% +1.1% 2024
2025: +1.6% +1.6% 2025
Change in FHFA’s price index in Bastrop County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+1.6%
+0.8%
+2.9%
5 years (2020–2025)
+52%
+44%
+47%
10 years (2015–2025)
+121%
+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
Camp Swift next to Bastrop 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
Camp Swift$208,500
Bastrop$314,800
Texas$283,800
United States$332,700
Typical monthly rent
Camp Swift$1,352
Bastrop$1,410
Texas$1,403
United States$1,413
Typical yearly household income
Camp Swift$63,944
Bastrop$86,226
Texas$78,476
United States$80,734
See the full table
Camp Swift next to Bastrop County and Texas
Measure
Camp Swift
Bastrop County
Texas
U.S.
Typical home value
$208,500 ▼34% below the county
$314,800
$283,800
$332,700
Typical monthly rent
$1,352 ▼4% below the county
$1,410
$1,403
$1,413
Typical yearly household income
$63,944 ▼26% below the county
$86,226
$78,476
$80,734
Households that own their home
72% ▼5 points below the county
76%
63%
65%
Typical yearly property tax
$3,006 ▼32% below the county
$4,453
$4,232
$3,119
Effective property tax rate
1.44% ▲0.03 points above the county
1.41%
1.49%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Bastrop 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 Camp Swift
For a typical $208,500 home in Camp Swift, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Camp Swift's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,816a month
Least cash to close
Down payment
$7,298
Cash to close
$13,553
Rate
7.18%
Mortgage insurance
FHA MIP · $92
Conventional, 5% down$1,778a month
Down payment
$10,425
Cash to close
$16,680
Rate
7.18%
Mortgage insurance
PMI · $99
Conventional, 20% down, no PMI$1,467a month
Down payment
$41,700
Cash to close
$47,955
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,660a month
Down payment
$31,275
Cash to close
$37,530
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Camp Swift
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,816
$7,298
$204,724
7.18%
FHA MIP · $92
$13,553
580
Conventional, 5% down
$1,778
$10,425
$198,075
7.18%
PMI · $99
$16,680
620*
Conventional, 20% down, no PMI
$1,467
$41,700
$166,800
7.18%
None
$47,955
620*
ITIN, 15% down (example)
$1,660
$31,275
$177,225
8.18%
None
$37,530
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 Camp Swift is $1,352 a month: 4% below the county.
HUD publishes a fair market rent for all of Bastrop County, by unit size. To pay the 2-bedroom one ($1,817 a month) without spending more than 30% of your income, you would need to earn $34.94 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 Bastrop County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,447
$27.83
$57,880
1 bedroom
$1,530
$29.42
$61,200
2 bedrooms
$1,817
$34.94
$72,680
3 bedrooms
$2,292
$44.08
$91,680
4 bedrooms
$2,689
$51.71
$107,560
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 Camp Swift
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Camp Swift is in ZIP code 78602.
For 2 bedrooms it is $1,670: $147 less than the fair market rent for Bastrop County ($1,817).
Fair market rent by ZIP code and size in Camp Swift, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
78602
$1,330
$1,410
$1,670
$2,120
$2,490
ZIP code2 bd3 bd
78602 $1,670$2,120
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Camp Swift 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)
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 Bastrop 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 Camp Swift or Bastrop County. The ones below are statewide in Texas: they work in Camp Swift 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 Camp Swift or Bastrop 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 Camp Swift and all of Bastrop 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 Camp Swift?
The typical home value in Camp Swift is $208,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Bastrop County it is $314,800.
How much does it cost to rent in Camp Swift?
Typical rent in Camp Swift is $1,352 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Bastrop County is $1,817.
What is the FHA loan limit in Camp Swift?
Camp Swift uses the FHA limit for all of Bastrop County (2026): $571,550 for a one-unit home and $1,099,150 for a four-unit home.
How much property tax do owners pay in Camp Swift?
The typical homeowner in Camp Swift pays $3,006 a year, according to the U.S. Census Bureau. That is 1.44% of the home’s value; in Bastrop County, the rate is 1.41%.
Where can I find free help to buy or rent in Camp Swift?
We found no HUD-approved counseling agencies with an office in Bastrop County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
