In Childress, a typical home is worth $85,900 and typical rent is $910 a month. Compared with all of Childress County, the share of households that own their home is 6 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $113,804 to $135,297.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Childress is in Childress 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 Childress County. See the county
What this place has that others do not, from public data, most unusual first.
1
According to Zillow, in the 12 months to September 2026 the typical home value in Childress rose 25.8%; in Texas, it fell 1.4%.
2
Childress has the 13th lowest typical home value of the 422 cities in Texas with more than 5,000 people ($85,900).
3
65% of households in Childress own their home, against 71% in Childress County.
Sources: Zillow (September 2026 data); U.S. Census Bureau (Average 2020–2024). Zillow data
The homes here
Housing in Childress
What homes there are in Childress, 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
Childress
Childress County
Texas
United States
Kind of home: Childress and its comparisons
Measure
Childress
Childress County
Texas
United States
Detached house
75%
76%
64%
61%
Attached house
Unreliable estimate
Unreliable estimate
3%
6%
Building of 2 to 4
Unreliable estimate
Unreliable estimate
5%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
21%
19%
Mobile home
Unreliable estimate
8%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in Childress County, most homes in Childress are detached houses (75%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Childress
Childress County
Texas
United States
Year built: Childress and its comparisons
Measure
Childress
Childress County
Texas
United States
Before 1960
49%
46%
12%
26%
1960–1979
24%
21%
21%
24%
1980–1999
13%
15%
28%
25%
2000–2009
Unreliable estimate
11%
18%
14%
2010 or later
Unreliable estimate
6%
21%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K55%
$100K–$200K18%
$200K–$300K20%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Childress and its comparisons
Measure
Childress
Under $100K
55%
$100K–$200K
18%
$200K–$300K
20%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99963%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Childress and its comparisons
Measure
Childress
Under $500
Unreliable estimate
$500–$999
63%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,228 a month
Childress County: $1,441 a month
Without a mortgage
$504 a month
Childress County: $521 a month
Owners with a mortgage
27%
Childress County: 29%
Owning costs less in Childress: with a mortgage, the typical cost is $1,228 a month; in Childress County, $1,441. Without one, $504.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
ChildressNo clear change
Childress CountyUnreliable
Texas+65%
United States+53%
Typical rent
ChildressNo clear change
Childress CountyNo clear change
Texas+34%
United States+33%
Typical household income
ChildressNo clear change
Childress CountyNo clear change
Texas+27%
United States+29%
Change since 2015–2019: Childress and its comparisons
Measure
Childress
Childress County
Texas
United States
Typical home value
No clear change
Unreliable estimate
+65%
+53%
Typical rent
No clear change
No clear change
+34%
+33%
Typical household income
No clear change
No clear change
+27%
+29%
Since 2015–2019, home values in Childress moved so little that the Census cannot say whether they rose or fell.
Rent in Childress moved so little since 2015–2019 that the Census cannot say whether it rose or fell.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Childress and its comparisons
Measure
Childress
Childress 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
Unreliable estimate
4.8%
3.4%
People per household
2.93
2.89
2.69
2.53
Drive alone
92%
90%
71%
69%
Carpool
Unreliable estimate
Unreliable estimate
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
2%
3%
Work from home
Unreliable estimate
Unreliable estimate
14%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Much as in Childress County, a household in Childress has 2.93 people on average.
To get to work, 92% of workers in Childress drive alone; in Childress County, 90%.
Do the math
What would you pay each month for a home in Childress?
A typical home is within reach of the typical income
We start with a typical home in Childress, worth $85,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 13% of the typical household income in Childress, which is $57,644 a year.
The calculator's FHA and conventional loan limits are those of all of Childress 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 Childress. 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 $3,007 (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
$645
at 7.18% · 30 years
Loan amount
$84,344
Total interest
$121,351
Paid off in
November 2056
Includes $1,451 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,345 a month
Your payment · 13%
Tight
$1,345 to $1,729 a month
Hard
more than $1,729 a month
Compared with the typical household income in Childress ($57,644 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$571
Property tax
$0
Home insurance
$36
FHA mortgage insurance (MIP)
$38
You need at least $3,007 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 $645; principal and interest $571.
The city and its county
Childress and Childress County
Childress is in Childress 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).
Childress
Map of Childress County, Texas, with Childress marked. Around it, the neighboring counties.
Childress
Childress County
Childress's own numbers
Typical home value
$85,900
Typical monthly rent
$910
Typical yearly household income
$57,644
Households that own their home
65%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Childress County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,128
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 Childress County.
With the typical household income in Childress ($57,644 a year), a typical home costs 1.5 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.
Childress1.5 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Texas
According to FHFA’s house price index, home prices in Texas rose 88% in the 10 years through 2025.
Yearly change in FHFA’s price index in Texas, 2016 to 2025
2016: +7.0% +7.0% 2016
2017: +7.0% +7.0% 2017
2018: +6.1% +6.1% 2018
2019: +4.6% +4.6% 2019
2020: +3.3% +3.3% 2020
2021: +12.6% +12.6% 2021
2022: +18.4% +18.4% 2022
2023: +4.4% +4.4% 2023
2024: +2.3% +2.3% 2024
2025: +0.8% +0.8% 2025
Change in FHFA’s price index in Texas, Texas and the United States
Period
Texas
U.S.
Last year (2025)
+0.8%
+2.9%
5 years (2020–2025)
+44%
+47%
10 years (2015–2025)
+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
Childress next to Childress 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
Childress$85,900
County—
Texas$283,800
United States$332,700
Typical monthly rent
Childress$910
County$913
Texas$1,403
United States$1,413
Typical yearly household income
Childress$57,644
County$58,654
Texas$78,476
United States$80,734
See the full table
Childress next to Childress County and Texas
Measure
Childress
Childress County
Texas
U.S.
Typical home value
$85,900
—
$283,800
$332,700
Typical monthly rent
$910
$913
$1,403
$1,413
Typical yearly household income
$57,644
$58,654
$78,476
$80,734
Households that own their home
65% ▼6 points below the county
71%
63%
65%
Typical yearly property tax
$1,330 ▼11% below the county
$1,496
$4,232
$3,119
Renters with high rent for their income
53% ▲1 points above the county
52%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Childress 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 Childress
For a typical $85,900 home in Childress, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, an example home insurance and mortgage insurance when it applies. It leaves out property tax because the Census Bureau doesn't publish Childress's rate.
FHA, 3.5% down$645a month
Least cash to close
Down payment
$3,007
Cash to close
$5,584
Rate
7.18%
Mortgage insurance
FHA MIP · $38
Conventional, 5% down$629a month
Down payment
$4,295
Cash to close
$6,872
Rate
7.18%
Mortgage insurance
PMI · $41
Conventional, 20% down, no PMI$501a month
Down payment
$17,180
Cash to close
$19,757
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$581a month
Down payment
$12,885
Cash to close
$15,462
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Childress
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$645
$3,007
$84,344
7.18%
FHA MIP · $38
$5,584
580
Conventional, 5% down
$629
$4,295
$81,605
7.18%
PMI · $41
$6,872
620*
Conventional, 20% down, no PMI
$501
$17,180
$68,720
7.18%
None
$19,757
620*
ITIN, 15% down (example)
$581
$12,885
$73,015
8.18%
None
$15,462
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 Childress is $910 a month: about the same as the county. In Childress, 53% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Childress County, by unit size. To pay the 2-bedroom one ($1,128 a month) without spending more than 30% of your income, you would need to earn $21.69 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 Childress County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$857
$16.48
$34,280
1 bedroom
$862
$16.58
$34,480
2 bedrooms
$1,128
$21.69
$45,120
3 bedrooms
$1,500
$28.85
$60,000
4 bedrooms
$1,625
$31.25
$65,000
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 Childress
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Childress is in ZIP code 79201.
For 2 bedrooms it is $1,130: $2 more than the fair market rent for Childress County ($1,128).
Fair market rent by ZIP code and size in Childress, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
79201
$860
$870
$1,130
$1,510
$1,630
ZIP code2 bd3 bd
79201 $1,130$1,510
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Childress 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 4 buildings with rents for lower incomes in Childress. These are the largest.
Unnamed307 Avenue E NW, Childress 7920180 low-income homes · Run by Housing Authority of Childress · Average payment: $474 a month · Average wait: 10 months · Homes at several sites(940) 937-3501
Fairview Manor Apts915 18th St NW, Childress 7920148 low-income homes · In service since 2003
Childress Manor1300 7th St NW, Childress 7920150 homes, 46 low-income · For families
Greenview Apts1002 18th St NW, Childress 7920132 low-income homes · 1 bd: 26 · 2 bd: 6 · In service since 1994
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 Childress 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 Childress or Childress County. The ones below are statewide in Texas: they work in Childress 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 Childress or Childress 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 Childress and all of Childress 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 Childress?
The typical home value in Childress is $85,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Childress County it is Data not available for this place.
How much does it cost to rent in Childress?
Typical rent in Childress is $910 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Childress County is $1,128.
What is the FHA loan limit in Childress?
Childress uses the FHA limit for all of Childress 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 Childress?
The typical homeowner in Childress pays $1,330 a year, according to the U.S. Census Bureau. That is Data not available for this place of the home’s value; in Childress County, the rate is Data not available for this place.
Where can I find free help to buy or rent in Childress?
We found no HUD-approved counseling agencies with an office in Childress County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
