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City · 43,605 residents · Harris County, Texas

Channelview , Texas

In Channelview, a typical home is worth $195,900 and typical rent is $1,279 a month. Compared with all of Harris County, the typical home value is 29% lower, typical household income is 14% lower, and the share of households that own their home is 17 points higher.

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  • Typical home value

    $195,900

    29% below the county

    31% below Texas

    • Channelview
    • Harris
    • Texas

  • Typical rent

    $1,279a month

    9% below the county

    9% below Texas

    • Channelview
    • Harris
    • Texas

  • Typical household income

    $64,422a year

    14% below the county

    18% below Texas

    • Channelview
    • Harris
    • Texas

  • Households that own their home

    72%

    17 points above the county

    10 points above Texas

    • Channelview
    • Harris
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$208,902
about the same as 12 months ago
Typical rent
$1,802 a month
7.5% more than 12 months ago

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

Channelview is in Harris 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 Harris County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Channelview apart

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

  1. Nearby, in Galena Park, the typical home value is $117,700: 40% less than in Channelview ($195,900).

  2. 72% of households in Channelview own their home, against 55% in Harris County.

  3. The typical home in Channelview is worth $195,900, 29% less than in Harris County as a whole ($276,600).

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

The homes here

Housing in Channelview

What homes there are in Channelview, 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

In Channelview, 7 in 10 homes are single-family detached houses; in Harris County, 6.

In Channelview there are many mobile homes: 21% of homes; in Harris County, 3%.

Year built

The typical year built in Channelview is 1989, about the same as in Harris County (1988).

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

With an FHA limit of $541,287, at least 98% of owner-occupied homes in Channelview sit below it: they are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,678 a month

Harris County: $2,155 a month

Without a mortgage

$696 a month

Harris County: $744 a month

Owners with a mortgage

54%

Harris County: 57%

The typical cost for an owner with a mortgage in Channelview is $1,678 a month, less than in Harris County ($2,155); without one, $696.

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 Channelview rose 57% since 2015–2019, about the same as in Harris County (57%).

Rents in Channelview rose at about the same pace as in Harris County: 31% since 2015–2019, against 30%.

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

MeasureChannelviewHarris CountyTexasUnited States
Rental vacancy Unreliable estimate9.3%7.7%5.5%
Homeowner vacancy Unreliable estimate1.2%1.1%0.9%
More than one person per room 7.9%6.6%4.8%3.4%
People per household 3.452.732.692.53
Drive alone 81%70%71%69%
Carpool 10%11%10%9%
Public transit Unreliable estimate2%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 7%13%14%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More households are short on space in Channelview: 7.9% have more than one person per room; in Harris County, 6.6%.

More people live in each home here: 3.45 on average, against 2.73 in Harris County.

In Channelview, 81% of workers drive alone to work; in Harris County, 70%.

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 Channelview?

A typical home is tight for the typical income

We start with a typical home in Channelview, worth $195,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Channelview, which is $64,422 a year. For that payment to be 28% of income, a household would need to earn about $75,650 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Channelview. 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 $6,857 (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

$1,765

at 7.18% · 30 years

Loan amount
$192,351
Total interest
$276,748
Paid off in
November 2056

Includes $3,308 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,503 a month

  • Tight

    $1,503 to $1,933 a month

    Your payment · 33%

  • Hard

    more than $1,933 a month

Compared with the typical household income in Channelview ($64,422 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,765
Principal & interest$1,303
Property tax$294
Home insurance$82
FHA mortgage insurance (MIP)$87

You need at least $6,857 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

Channelview and Harris County

Channelview is in Harris 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).

Channelview's own numbers

Typical home value
$195,900
Typical monthly rent
$1,279
Typical yearly household income
$64,422
Households that own their home
72%
Effective property tax rate
1.8%

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

Numbers for all of Harris County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,497
Price change over 5 years (FHFA)
+31%
Homes in a high flood-risk zone
9.1%

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 Harris County.

Everything about Harris County

Buying

Buying a home in Channelview

A typical home in Channelview is worth $195,900: 29% below the county and 31% below Texas. With the typical household income in Channelview ($64,422 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.

  • Channelview 3.0 years
  • Harris 3.7 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Harris County

According to FHFA’s house price index, home prices in Harris County rose 54% in the 10 years through 2025.

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

Period County Texas U.S.
Last year (2025) +0.6% +0.8% +2.9%
5 years (2020–2025) +31% +44% +47%
10 years (2015–2025) +54% +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

Channelview next to Harris 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
  • Channelview $195,900
  • Harris $276,600
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Channelview $1,279
  • Harris $1,401
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Channelview $64,422
  • Harris $74,983
  • Texas $78,476
  • United States $80,734
See the full table
Channelview next to Harris County and Texas
Measure Channelview Harris County Texas U.S.
Typical home value $195,900 $276,600 $283,800 $332,700
Typical monthly rent $1,279 $1,401 $1,403 $1,413
Typical yearly household income $64,422 $74,983 $78,476 $80,734
Households that own their home 72% 55% 63% 65%
Typical yearly property tax $3,518 $4,489 $4,232 $3,119
Effective property tax rate 1.8% 1.62% 1.49% 0.94%
Renters with high rent for their income 48% 54% 52% 51%

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

For a typical $195,900 home in Channelview, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Channelview's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,765a month

    Least cash to close
    Down payment
    $6,857
    Cash to close
    $12,734
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $87

  • Conventional, 5% down $1,729a month

    Down payment
    $9,795
    Cash to close
    $15,672
    Rate
    7.18%
    Mortgage insurance
    PMI · $93

  • Conventional, 20% down, no PMI $1,437a month

    Down payment
    $39,180
    Cash to close
    $45,057
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,618a month

    Down payment
    $29,385
    Cash to close
    $35,262
    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 Channelview and for Harris County.

Property tax

Effective rate in Channelview

1.8%of the home’s value each year

$3,518 a year for the typical owner in Channelview.

  • Channelview 1.8%
  • Harris 1.62%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in Harris County

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

Homes in the high-risk zone
9.1%
113,215
Of those, with NFIP insurance
48%
County Texas U.S.
Homes in the high-risk zone 9.1% 4.1% 3.5%
Of those, with NFIP insurance 48% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Channelview

Typical rent in Channelview is $1,279 a month: 9% below the county. In Channelview, 48% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Harris County, by unit size. To pay the 2-bedroom one ($1,497 a month) without spending more than 30% of your income, you would need to earn $28.79 an hour working full time.

HUD fair market rent for all of Harris 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 $1,233 $23.71 $49,320
1 bedroom $1,261 $24.25 $50,440
2 bedrooms $1,497 $28.79 $59,880
3 bedrooms $2,017 $38.79 $80,680
4 bedrooms $2,502 $48.12 $100,080

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 Channelview

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Channelview is in ZIP code 77530.

For 2 bedrooms it is $1,200: $297 less than the fair market rent for Harris County ($1,497).

  • 77530 $1,200$1,620

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

HUD lists 2 buildings with rents for lower incomes in Channelview. These are the largest.

  • The Hollows Sec of Wallisville RD. and Dell Dale ST., Channelview 77530 192 low-income homes · For older adults, people with disabilities, families, people experiencing homelessness
  • Sterling Green Village 938 Stevenage Ln, Channelview 77530 150 low-income homes · 4 bd: 150 · In service since 1996

See all 402 buildings in Harris County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Channelview

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.

There are 13 HUD-approved agencies with an office in Harris County; 8 say they serve in Spanish.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Channelview

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

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

  • Keystone Community Development Corporation

    309 W X St, Deer Park · 7 miles away

    • Budget and financial counseling
    • Pre-purchase counseling
    • and 1 more
    (281) 476-3592

  • Tejano Center for Community Concerns

    1062 Fairmont Pkwy, Pasadena · 11 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (713) 640-3743

  • Fifth-Ward Community Redevelopment Corp.

    4300 Lyons Ave Ste 300, Houston · 13 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (713) 674-0175

Every agency in Harris County All counseling agencies in Texas

Help in Spanish near Channelview

2 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 Channelview

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

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

Cities

Other cities in Harris County

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

Everything about Harris County Housing in Texas
See 9 more cities in Harris County, with prices and rents

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

Nearby cities

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

Neighboring counties

If Harris 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 Channelview.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Channelview

Short answers with the numbers for Channelview and all of Harris 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 Channelview?

The typical home value in Channelview is $195,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Harris County it is $276,600.

How much does it cost to rent in Channelview?

Typical rent in Channelview is $1,279 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Harris County is $1,497.

What is the FHA loan limit in Channelview?

Channelview uses the FHA limit for all of Harris 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 Channelview?

The typical homeowner in Channelview pays $3,518 a year, according to the U.S. Census Bureau. That is 1.8% of the home’s value; in Harris County, the rate is 1.62%.

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

There are 13 HUD-approved counseling agencies with an office in Harris County. 8 say they serve in Spanish. 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).