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City · 18,611 residents · Fort Bend County, Texas

Cinco Ranch , Texas

In Cinco Ranch, a typical home is worth $475,600 and typical rent is $1,986 a month. Compared with all of Fort Bend County, typical household income is 42% higher and the typical home value is 27% higher.

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  • Typical home value

    $475,600

    27% above the county

    68% above Texas

    • Cinco Ranch
    • Fort Bend
    • Texas

  • Typical rent

    $1,986a month

    10% above the county

    42% above Texas

    • Cinco Ranch
    • Fort Bend
    • Texas

  • Typical household income

    $161,972a year

    42% above the county

    106% above Texas

    • Cinco Ranch
    • Fort Bend
    • Texas

  • Households that own their home

    74%

    3 points below the county

    12 points above Texas

    • Cinco Ranch
    • Fort Bend
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$529,378
0.8% less than 12 months ago
Typical rent
$1,969 a month
1.8% more than 12 months ago

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

Cinco Ranch is in Fort Bend 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 Fort Bend County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Cinco Ranch apart

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

  1. Nearby, in Mission Bend, the typical home value is $233,800: 51% less than in Cinco Ranch ($475,600).

  2. The typical household income in Cinco Ranch is $161,972, 42% more than in Fort Bend County as a whole ($114,041).

  3. Nearby, in Pecan Grove, the typical rent is $1,507: 24% less than in Cinco Ranch ($1,986).

  4. The typical home in Cinco Ranch is worth $475,600, 27% more than in Fort Bend County as a whole ($374,500).

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

The homes here

Housing in Cinco Ranch

What homes there are in Cinco Ranch, 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

As in Fort Bend County, most homes in Cinco Ranch are detached houses (85%).

Year built

In Cinco Ranch, half of the homes were built before 1997; in Fort Bend County, before 2005.

By size, homes in Cinco Ranch look like those in Fort Bend County: 82% have 3 bedrooms or more.

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

$3,141 a month

Fort Bend County: $2,665 a month

Without a mortgage

$1,293 a month

Fort Bend County: $1,008 a month

Owners with a mortgage

58%

Fort Bend County: 64%

In Cinco Ranch, 58% of owners have a mortgage, and their typical cost is $3,141 a month, against $2,665 in Fort Bend County. Without one it drops to $1,293.

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 Census does not compare Cinco Ranch with 2015–2019 because its boundaries changed. In Fort Bend County, over that time, the typical home value rose 41%.

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

MeasureCinco RanchFort Bend CountyTexasUnited States
Rental vacancy Unreliable estimate6.7%7.7%5.5%
Homeowner vacancy Unreliable estimate0.7%1.1%0.9%
More than one person per room Unreliable estimate3.3%4.8%3.4%
People per household 3.073.032.692.53
Drive alone 62%70%71%69%
Carpool 7%9%10%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 29%18%14%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

By size, households in Cinco Ranch look like those in Fort Bend County: 3.07 people on average.

Many people here do not commute at all: 29% work from home; in Fort Bend County, 18%.

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 Cinco Ranch?

A typical home is tight for the typical income

We start with a typical home in Cinco Ranch, worth $475,600, 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 Cinco Ranch, which is $161,972 a year. For that payment to be 28% of income, a household would need to earn about $186,210 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Cinco Ranch. 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 $16,646 (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

$4,345

at 7.18% · 30 years

Loan amount
$466,986
Total interest
$671,883
Paid off in
November 2056

Includes $8,032 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,779 a month

  • Tight

    $3,779 to $4,859 a month

    Your payment · 32%

  • Hard

    more than $4,859 a month

Compared with the typical household income in Cinco Ranch ($161,972 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,345
Principal & interest$3,164
Property tax$773
Home insurance$198
FHA mortgage insurance (MIP)$210

You need at least $16,646 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

Cinco Ranch and Fort Bend County

Cinco Ranch is in Fort Bend 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).

Cinco Ranch's own numbers

Typical home value
$475,600
Typical monthly rent
$1,986
Typical yearly household income
$161,972
Households that own their home
74%
Effective property tax rate
1.95%

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

Numbers for all of Fort Bend 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)
+56%
Homes in a high flood-risk zone
2.6%

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 Fort Bend County.

Everything about Fort Bend County

Buying

Buying a home in Cinco Ranch

A typical home in Cinco Ranch is worth $475,600: 27% above the county and 68% above Texas. With the typical household income in Cinco Ranch ($161,972 a year), a typical home costs 2.9 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.

  • Cinco Ranch 2.9 years
  • Fort Bend 3.3 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Fort Bend County

According to FHFA’s house price index, home prices in Fort Bend County rose 91% in the 10 years through 2025.

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

Period County Texas U.S.
Last year (2025) +6.0% +0.8% +2.9%
5 years (2020–2025) +56% +44% +47%
10 years (2015–2025) +91% +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

Cinco Ranch next to Fort Bend 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
  • Cinco Ranch $475,600
  • Fort Bend $374,500
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Cinco Ranch $1,986
  • Fort Bend $1,807
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Cinco Ranch $161,972
  • Fort Bend $114,041
  • Texas $78,476
  • United States $80,734
See the full table
Cinco Ranch next to Fort Bend County and Texas
Measure Cinco Ranch Fort Bend County Texas U.S.
Typical home value $475,600 $374,500 $283,800 $332,700
Typical monthly rent $1,986 $1,807 $1,403 $1,413
Typical yearly household income $161,972 $114,041 $78,476 $80,734
Households that own their home 74% 77% 63% 65%
Typical yearly property tax $9,267 $6,965 $4,232 $3,119
Effective property tax rate 1.95% 1.86% 1.49% 0.94%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Fort Bend 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 Cinco Ranch

For a typical $475,600 home in Cinco Ranch, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cinco Ranch's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,345a month

    Least cash to close
    Down payment
    $16,646
    Cash to close
    $30,914
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $210

  • Conventional, 5% down $4,258a month

    Down payment
    $23,780
    Cash to close
    $38,048
    Rate
    7.18%
    Mortgage insurance
    PMI · $226

  • Conventional, 20% down, no PMI $3,549a month

    Down payment
    $95,120
    Cash to close
    $109,388
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,988a month

    Down payment
    $71,340
    Cash to close
    $85,608
    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 Cinco Ranch and for Fort Bend County.

Property tax

Effective rate in Cinco Ranch

1.95%of the home’s value each year

$9,267 a year for the typical owner in Cinco Ranch.

  • Cinco Ranch 1.95%
  • Fort Bend 1.86%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in Fort Bend County

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

Homes in the high-risk zone
2.6%
6,535
Of those, with NFIP insurance
42%
County Texas U.S.
Homes in the high-risk zone 2.6% 4.1% 3.5%
Of those, with NFIP insurance 42% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Cinco Ranch

Typical rent in Cinco Ranch is $1,986 a month: 10% above the county.

HUD publishes a fair market rent for all of Fort Bend 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 Fort Bend 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 Cinco Ranch

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cinco Ranch has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,850 in 77450 to $2,250 in 77494.

2 of the 2 are above the fair market rent for Fort Bend County ($1,497).

  • 77450 $1,850$2,490
  • 77494 $2,250$3,030

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Cinco Ranch 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 Cinco Ranch

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 2 HUD-approved agencies with an office in Fort Bend County; 2 say they serve in Spanish.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Cinco Ranch

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

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

  • Chinese Community Center

    9800 Town Park Dr, Houston · 13 miles away · Spanish

    Also serves in Cantonese, Mandarin Chinese, and Vietnamese.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 10 more
    (713) 271-6100

  • Money Management International - Houston Call Center

    12603 Southwest Fwy Ste 450, Stafford · 13 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (866) 232-9080

  • Money Management International Inc.

    12603 Southwest Fwy, Stafford · 13 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (866) 232-9080

Every agency in Fort Bend County All counseling agencies in Texas

Help in Spanish near Cinco Ranch

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 Cinco Ranch

In HUD’s record, no housing authority with an office in Fort Bend County is named for Cinco Ranch or Fort Bend County.

One other authority has an office in Fort Bend County: see the list Source: HUD

Cities

Other cities in Fort Bend County

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

Everything about Fort Bend County Housing in Texas

Nearby cities

The cities closest to Cinco Ranch, with the typical home value.

Neighboring counties

If Fort Bend 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 Cinco Ranch.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Cinco Ranch

Short answers with the numbers for Cinco Ranch and all of Fort Bend 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 Cinco Ranch?

The typical home value in Cinco Ranch is $475,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Fort Bend County it is $374,500.

How much does it cost to rent in Cinco Ranch?

Typical rent in Cinco Ranch is $1,986 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Fort Bend County is $1,497.

What is the FHA loan limit in Cinco Ranch?

Cinco Ranch uses the FHA limit for all of Fort Bend 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 Cinco Ranch?

The typical homeowner in Cinco Ranch pays $9,267 a year, according to the U.S. Census Bureau. That is 1.95% of the home’s value; in Fort Bend County, the rate is 1.86%.

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

There are 2 HUD-approved counseling agencies with an office in Fort Bend County. 2 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).