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City · 78,301 residents · Williamson County, Texas

Cedar Park , Texas

In Cedar Park, a typical home is worth $513,600 and typical rent is $1,846 a month. Compared with all of Williamson County, typical household income is 16% higher and the typical home value is 15% higher.

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  • Typical home value

    $513,600

    15% above the county

    81% above Texas

    • Cedar Park
    • Williamson
    • Texas

  • Typical rent

    $1,846a month

    3% above the county

    32% above Texas

    • Cedar Park
    • Williamson
    • Texas

  • Typical household income

    $129,545a year

    16% above the county

    65% above Texas

    • Cedar Park
    • Williamson
    • Texas

  • Households that own their home

    67%

    About the same as the county

    4 points above Texas

    • Cedar Park
    • Williamson
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$456,996
3.1% less than 12 months ago
Typical rent
$1,702 a month
3.2% more than 12 months ago

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

Cedar Park is in Williamson 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 Williamson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Cedar Park apart

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

  1. Nearby, in Wells Branch, the typical home value is $401,100: 22% less than in Cedar Park ($513,600).

  2. Nearby, in Wells Branch, the typical rent is $1,544: 16% less than in Cedar Park ($1,846).

  3. The typical household income in Cedar Park is $129,545, 16% more than in Williamson County as a whole ($111,340).

  4. Cedar Park has the 36th highest typical home value of the 422 cities in Texas with more than 5,000 people ($513,600).

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

The homes here

Housing in Cedar Park

What homes there are in Cedar Park, 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 is the most common home in Cedar Park: 73% of homes, near the figure in Williamson County (73%).

Year built

In Cedar Park, half of the homes were built before 2005; in Williamson County, before 2006.

Homes in Cedar Park are bigger: 76% have 3 bedrooms or more; in Williamson County, 72%.

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

$2,717 a month

Williamson County: $2,453 a month

Without a mortgage

$1,034 a month

Williamson County: $938 a month

Owners with a mortgage

72%

Williamson County: 70%

Owning costs more in Cedar Park: with a mortgage, the typical cost is $2,717 a month; in Williamson County, $2,453. Without one, $1,034.

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

From 2015–2019 to 2020–2024, home values in Cedar Park rose at about the same pace as in Williamson County: 70% against 70%.

Since 2015–2019, the typical rent in Cedar Park rose 31%, less than in Williamson County (35%).

The typical household income in Cedar Park rose 25%: less than home values (+70%) 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

MeasureCedar ParkWilliamson CountyTexasUnited States
Rental vacancy Unreliable estimate4.2%7.7%5.5%
Homeowner vacancy Unreliable estimate0.9%1.1%0.9%
More than one person per room 2.7%2.8%4.8%3.4%
People per household 2.702.652.692.53
Drive alone 59%64%71%69%
Carpool 8%8%10%9%
Public transit Unreliable estimate0%1%3%
Walk or bike 2%1%2%3%
Work from home 30%25%14%15%
Other means 2%2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Cedar Park, 2.7% of households live with more than one person per room, about the same as in Williamson County.

By size, households in Cedar Park look like those in Williamson County: 2.70 people on average.

Working from home is more common in Cedar Park: 30%, against 25% in Williamson County.

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 Cedar Park?

A typical home costs more than the typical income allows

We start with a typical home in Cedar Park, worth $513,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 43% of the typical household income in Cedar Park, which is $129,545 a year. For that payment to be 28% of income, a household would need to earn about $197,052 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Cedar Park. 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 $17,976 (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

$4,598

at 7.18% · 30 years

Loan amount
$504,297
Total interest
$725,566
Paid off in
November 2056

Includes $8,673 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,023 a month

  • Tight

    $3,023 to $3,886 a month

  • Hard

    more than $3,886 a month

    Your payment · 43%

Compared with the typical household income in Cedar Park ($129,545 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,598
Principal & interest$3,416
Property tax$740
Home insurance$214
FHA mortgage insurance (MIP)$227

You need at least $17,976 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

Cedar Park and Williamson County

Cedar Park is in Williamson 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).

Cedar Park's own numbers

Typical home value
$513,600
Typical monthly rent
$1,846
Typical yearly household income
$129,545
Households that own their home
67%
Effective property tax rate
1.73%

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

Numbers for all of Williamson 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)
+43%
Homes in a high flood-risk zone
0.7%

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 Williamson County.

Everything about Williamson County

Buying

Buying a home in Cedar Park

A typical home in Cedar Park is worth $513,600: 15% above the county and 81% above Texas. With the typical household income in Cedar Park ($129,545 a year), a typical home costs 4.0 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.

  • Cedar Park 4.0 years
  • Williamson 4.0 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Williamson County

According to FHFA’s house price index, home prices in Williamson County rose 100% in the 10 years through 2025.

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

Period County Texas U.S.
Last year (2025) −1.0% +0.8% +2.9%
5 years (2020–2025) +43% +44% +47%
10 years (2015–2025) +100% +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

Cedar Park next to Williamson 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
  • Cedar Park $513,600
  • Williamson $447,000
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Cedar Park $1,846
  • Williamson $1,796
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Cedar Park $129,545
  • Williamson $111,340
  • Texas $78,476
  • United States $80,734
See the full table
Cedar Park next to Williamson County and Texas
Measure Cedar Park Williamson County Texas U.S.
Typical home value $513,600 $447,000 $283,800 $332,700
Typical monthly rent $1,846 $1,796 $1,403 $1,413
Typical yearly household income $129,545 $111,340 $78,476 $80,734
Households that own their home 67% 66% 63% 65%
Typical yearly property tax $8,893 $7,205 $4,232 $3,119
Effective property tax rate 1.73% 1.61% 1.49% 0.94%
Renters with high rent for their income 52% 48% 52% 51%

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

For a typical $513,600 home in Cedar Park, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cedar Park's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,598a month

    Least cash to close
    Down payment
    $17,976
    Cash to close
    $33,384
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $227

  • Conventional, 5% down $4,504a month

    Down payment
    $25,680
    Cash to close
    $41,088
    Rate
    7.18%
    Mortgage insurance
    PMI · $244

  • Conventional, 20% down, no PMI $3,738a month

    Down payment
    $102,720
    Cash to close
    $118,128
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,213a month

    Down payment
    $77,040
    Cash to close
    $92,448
    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 Cedar Park and for Williamson County.

Property tax

Effective rate in Cedar Park

1.73%of the home’s value each year

$8,893 a year for the typical owner in Cedar Park.

  • Cedar Park 1.73%
  • Williamson 1.61%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in Williamson County

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

Homes in the high-risk zone
0.7%
1,291
Of those, with NFIP insurance
46%
County Texas U.S.
Homes in the high-risk zone 0.7% 4.1% 3.5%
Of those, with NFIP insurance 46% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Cedar Park

Typical rent in Cedar Park is $1,846 a month: 3% above the county. In Cedar Park, 52% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Williamson 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.

HUD fair market rent for all of Williamson 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 $1,447 $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 Cedar Park

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cedar Park is in ZIP code 78613.

For 2 bedrooms it is $1,970: $153 more than the fair market rent for Williamson County ($1,817).

  • 78613 $1,970$2,480

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

HUD lists 5 buildings with rents for lower incomes in Cedar Park. These are the largest.

  • Tuckaway Apartments 1740 Bagdad Rd, Cedar Park 78613 256 low-income homes
  • Cypress Creek at Lakeline Apts 2101 S Lakeline Blvd, Cedar Park 78613 236 low-income homes · In service since 2004
  • Ranch at Cedar Park 1301 W Whitestone Blvd, Cedar Park 78613 180 low-income homes · In service since 2004 · For older adults
  • Cedar Park Townhomes 400 E Cypress Creek Rd, Cedar Park 78613 220 homes, 132 low-income · In service since 2002
  • Whitestone & Tamaric Apts 601 Doris Ln, Cedar Park 78613

See all 53 buildings in Williamson County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Cedar Park

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

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Cedar Park

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

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

  • Frameworks Community Development Corporation

    2200 E Martin Luther King Jr Blvd, Austin · 17 miles away · Spanish

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 2 more
    (512) 385-1500

  • BCL of Texas (business and Community Lenders)

    1011 San Jacinto Blvd Ste 500, Austin · 17 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (512) 912-9884

  • Austin Habitat for Humanity

    500 W Ben White Blvd, Austin · 20 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    512-472-8788x122

All counseling agencies in Texas

Help in Spanish near Cedar Park

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 Cedar Park

In HUD’s record, no housing authority with an office in Williamson County is named for Cedar Park or Williamson County.

4 other authorities have an office in Williamson County: see the list Source: HUD

Cities

Other cities in Williamson County

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

Everything about Williamson County Housing in Texas

Nearby cities

The cities closest to Cedar Park, with the typical home value.

Neighboring counties

If Williamson 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 Cedar Park.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Cedar Park

Short answers with the numbers for Cedar Park and all of Williamson 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 Cedar Park?

The typical home value in Cedar Park is $513,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Williamson County it is $447,000.

How much does it cost to rent in Cedar Park?

Typical rent in Cedar Park is $1,846 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Williamson County is $1,817.

What is the FHA loan limit in Cedar Park?

Cedar Park uses the FHA limit for all of Williamson 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 Cedar Park?

The typical homeowner in Cedar Park pays $8,893 a year, according to the U.S. Census Bureau. That is 1.73% of the home’s value; in Williamson County, the rate is 1.61%.

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

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