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City · 34,268 residents · Collin County, Texas

Celina , Texas

In Celina, a typical home is worth $509,600 and typical rent is $2,379 a month. Compared with all of Collin County, typical household income is 41% higher, typical rent is 28% higher, and the share of households that own their home is 28 points higher.

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  • Typical home value

    $509,600

    7% above the county

    80% above Texas

    • Celina
    • Collin
    • Texas

  • Typical rent

    $2,379a month

    28% above the county

    70% above Texas

    • Celina
    • Collin
    • Texas

  • Typical household income

    $170,894a year

    41% above the county

    118% above Texas

    • Celina
    • Collin
    • Texas

  • Households that own their home

    93%

    28 points above the county

    30 points above Texas

    • Celina
    • Collin
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$512,080
8.9% less than 12 months ago
Typical rent
$2,009 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).

Celina is in Collin County. The FHA loan limit ($563,500 for a one-unit home), the fair market rents and the help on this page are those of all of Collin County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Celina apart

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

  1. 93% of households in Celina own their home, against 65% in Collin County.

  2. Nearby, in Pilot Point, the typical home value is $292,500: 43% less than in Celina ($509,600).

  3. Nearby, in Pilot Point, the typical rent is $1,430: 40% less than in Celina ($2,379).

  4. According to Zillow, in the 12 months to September 2026 the typical home value in Celina fell 8.9%; in Texas, it fell 1.4%.

  5. The typical household income in Celina is $170,894, 41% more than in Collin County as a whole ($121,600).

  6. Celina has the 22nd highest typical rent of the 413 cities in Texas with more than 5,000 people ($2,379).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Celina

What homes there are in Celina, 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 houses, standing on their own, make up 97% of homes here, against 68% in Collin County.

Year built

The typical home in Celina was built in 2015, 12 years after the typical one in Collin County.

In Celina, 92% of homes have 3 bedrooms or more, more than in Collin County (70%).

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

$3,092 a month

Collin County: $2,843 a month

Owners with a mortgage

80%

Collin County: 69%

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

Since 2015–2019, homes in Celina gained value faster than in Collin County: 60% against 51%.

The typical rent in Celina rose 46% over the same time; in Collin County, it rose 34%.

Here income did not keep up with housing: it rose 37%, while home values changed +60% and rent +46%.

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

MeasureCelinaCollin CountyTexasUnited States
Rental vacancy Unreliable estimate6.1%7.7%5.5%
Homeowner vacancy Unreliable estimate0.6%1.1%0.9%
More than one person per room Unreliable estimate3.1%4.8%3.4%
People per household 3.312.772.692.53
Drive alone 56%62%71%69%
Carpool 6%7%10%9%
Public transit Unreliable estimate0%1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 36%28%14%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Celina are bigger: 3.31 people on average; in Collin County, 2.77.

In Celina, 36% of workers work from home, more than in Collin County (28%).

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 Celina?

A typical home is tight for the typical income

We start with a typical home in Celina, worth $509,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Celina, which is $170,894 a year. For that payment to be 28% of income, a household would need to earn about $198,066 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Celina. 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 $17,836 (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

$4,622

at 7.18% · 30 years

Loan amount
$500,370
Total interest
$719,915
Paid off in
November 2056

Includes $8,606 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,988 a month

  • Tight

    $3,988 to $5,127 a month

    Your payment · 32%

  • Hard

    more than $5,127 a month

Compared with the typical household income in Celina ($170,894 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,622
Principal & interest$3,390
Property tax$794
Home insurance$212
FHA mortgage insurance (MIP)$225

You need at least $17,836 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

Celina and Collin County

Celina is in Collin 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).

Celina's own numbers

Typical home value
$509,600
Typical monthly rent
$2,379
Typical yearly household income
$170,894
Households that own their home
93%
Effective property tax rate
1.87%

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

Numbers for all of Collin County

FHA limit, one-unit home
$563,500
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,807
Price change over 5 years (FHFA)
+51%
Homes in a high flood-risk zone
0.3%

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 Collin County.

Everything about Collin County

Buying

Buying a home in Celina

A typical home in Celina is worth $509,600: 7% above the county and 80% above Texas. With the typical household income in Celina ($170,894 a year), a typical home costs 3.0 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.

  • Celina 3.0 years
  • Collin 3.9 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Collin County

According to FHFA’s house price index, home prices in Collin County rose 102% in the 10 years through 2025.

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

Period County Texas U.S.
Last year (2025) −0.8% +0.8% +2.9%
5 years (2020–2025) +51% +44% +47%
10 years (2015–2025) +102% +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

Celina next to Collin 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
  • Celina $509,600
  • Collin $475,600
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Celina $2,379
  • Collin $1,859
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Celina $170,894
  • Collin $121,600
  • Texas $78,476
  • United States $80,734
See the full table
Celina next to Collin County and Texas
Measure Celina Collin County Texas U.S.
Typical home value $509,600 $475,600 $283,800 $332,700
Typical monthly rent $2,379 $1,859 $1,403 $1,413
Typical yearly household income $170,894 $121,600 $78,476 $80,734
Households that own their home 93% 65% 63% 65%
Typical yearly property tax $9,514 $7,521 $4,232 $3,119
Effective property tax rate 1.87% 1.58% 1.49% 0.94%
Renters with high rent for their income 62% 48% 52% 51%

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

For a typical $509,600 home in Celina, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Celina's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,622a month

    Least cash to close
    Down payment
    $17,836
    Cash to close
    $33,124
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $225

  • Conventional, 5% down $4,528a month

    Down payment
    $25,480
    Cash to close
    $40,768
    Rate
    7.18%
    Mortgage insurance
    PMI · $242

  • Conventional, 20% down, no PMI $3,768a month

    Down payment
    $101,920
    Cash to close
    $117,208
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,239a month

    Down payment
    $76,440
    Cash to close
    $91,728
    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 Celina and for Collin County.

Property tax

Effective rate in Celina

1.87%of the home’s value each year

$9,514 a year for the typical owner in Celina.

  • Celina 1.87%
  • Collin 1.58%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in Collin County

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

Homes in the high-risk zone
0.3%
927
Of those, with NFIP insurance
34%
County Texas U.S.
Homes in the high-risk zone 0.3% 4.1% 3.5%
Of those, with NFIP insurance 34% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Celina

Typical rent in Celina is $2,379 a month: 28% above the county. In Celina, 62% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Collin County, by unit size. To pay the 2-bedroom one ($1,807 a month) without spending more than 30% of your income, you would need to earn $34.75 an hour working full time.

HUD fair market rent for all of Collin 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 $1,491 $28.67 $59,640
1 bedroom $1,536 $29.54 $61,440
2 bedrooms $1,807 $34.75 $72,280
3 bedrooms $2,275 $43.75 $91,000
4 bedrooms $2,892 $55.62 $115,680

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 Celina

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Celina is in ZIP code 75009.

For 2 bedrooms it is $2,340: $533 more than the fair market rent for Collin County ($1,807).

  • 75009 $2,340$2,950

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

Free help

Help to buy or rent in Celina

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 Collin 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 Celina

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

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

  • Balance - Dallas

    8330 Lbj Fwy, Dallas · 28 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (800) 777-7526

  • Transformance DBA Services of Hope Entities

    1137 Conveyor Ln Ste 107, Dallas · 36 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (214) 276-0235

  • Dallas County Home Loan Counseling Center

    2377 N Stemmons Fwy, Dallas · 36 miles away

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 4 more
    (214) 819-6060

All counseling agencies in Texas

Help in Spanish near Celina

None 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 Celina

In HUD’s record, no housing authority with an office in Collin County is named for Celina or Collin County.

3 other authorities have an office in Collin County: see the list Source: HUD

Cities

Other cities in Collin County

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

Everything about Collin County Housing in Texas
See 3 more cities in Collin County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

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

Neighboring counties

If Collin 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 Celina.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Celina

Short answers with the numbers for Celina and all of Collin 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 Celina?

The typical home value in Celina is $509,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Collin County it is $475,600.

How much does it cost to rent in Celina?

Typical rent in Celina is $2,379 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Collin County is $1,807.

What is the FHA loan limit in Celina?

Celina uses the FHA limit for all of Collin County (2026): $563,500 for a one-unit home and $1,083,650 for a four-unit home.

How much property tax do owners pay in Celina?

The typical homeowner in Celina pays $9,514 a year, according to the U.S. Census Bureau. That is 1.87% of the home’s value; in Collin County, the rate is 1.58%.

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

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