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City · 34,344 residents · Johnson County, Texas

Cleburne , Texas

In Cleburne, a typical home is worth $221,100 and typical rent is $1,322 a month. Compared with all of Johnson County, the typical home value is 23% lower, typical household income is 17% lower, and the share of households that own their home is 14 points lower.

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  • Typical home value

    $221,100

    23% below the county

    22% below Texas

    • Cleburne
    • Johnson
    • Texas

  • Typical rent

    $1,322a month

    5% below the county

    6% below Texas

    • Cleburne
    • Johnson
    • Texas

  • Typical household income

    $70,656a year

    17% below the county

    10% below Texas

    • Cleburne
    • Johnson
    • Texas

  • Households that own their home

    60%

    14 points below the county

    2 points below Texas

    • Cleburne
    • Johnson
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$267,726
2.5% less than 12 months ago
Typical rent
$1,403 a month
8.1% more than 12 months ago

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

Cleburne is in Johnson 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 Johnson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Cleburne apart

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

  1. Nearby, in Alvarado, the typical rent is $788: 40% less than in Cleburne ($1,322).

  2. 60% of households in Cleburne own their home, against 75% in Johnson County.

  3. The typical home in Cleburne is worth $221,100, 23% less than in Johnson County as a whole ($285,900).

  4. The typical household income in Cleburne is $70,656, 17% less than in Johnson County as a whole ($84,859).

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

The homes here

Housing in Cleburne

What homes there are in Cleburne, 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 Cleburne, 7 in 10 homes are single-family detached houses, about the same as in Johnson County.

Year built

In Cleburne, half of the homes were built before 1983; in Johnson County, before 1997.

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

By price, most homes in Cleburne sit under the FHA limit for Johnson County ($563,500): about 95%.

Monthly rent with utilities

With a mortgage

$1,804 a month

Johnson County: $2,003 a month

Without a mortgage

$572 a month

Johnson County: $608 a month

Owners with a mortgage

58%

Johnson County: 60%

Owning costs less in Cleburne: with a mortgage, the typical cost is $1,804 a month; in Johnson County, $2,003. Without one, $572.

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 Cleburne rose 96% since 2015–2019, more than in Johnson County (84%).

Rents in Cleburne rose at about the same pace as in Johnson County: 40% since 2015–2019, against 39%.

The typical household income in Cleburne rose 39% over that time; home values changed +96% and rent +40%.

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

MeasureCleburneJohnson CountyTexasUnited States
Rental vacancy Unreliable estimate7.1%7.7%5.5%
Homeowner vacancy Unreliable estimate2.0%1.1%0.9%
More than one person per room 6.3%4.3%4.8%3.4%
People per household 2.902.942.692.53
Drive alone 88%84%71%69%
Carpool 7%8%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 4%7%14%15%
Other means Unreliable estimate1%2%2%
Typical commute 20 to 29 minutes30 to 39 minutes20 to 29 minutes20 to 29 minutes

More households are short on space in Cleburne: 6.3% have more than one person per room; in Johnson County, 4.3%.

By size, households in Cleburne look like those in Johnson County: 2.90 people on average.

In Cleburne, 88% of workers drive alone to work; in Johnson County, 84%.

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 Cleburne?

A typical home is tight for the typical income

We start with a typical home in Cleburne, worth $221,100, 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 Cleburne, which is $70,656 a year. For that payment to be 28% of income, a household would need to earn about $82,460 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Cleburne. 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 $7,739 (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

$1,924

at 7.18% · 30 years

Loan amount
$217,095
Total interest
$312,349
Paid off in
November 2056

Includes $3,734 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,649 a month

  • Tight

    $1,649 to $2,120 a month

    Your payment · 33%

  • Hard

    more than $2,120 a month

Compared with the typical household income in Cleburne ($70,656 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,924
Principal & interest$1,471
Property tax$264
Home insurance$92
FHA mortgage insurance (MIP)$98

You need at least $7,739 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

Cleburne and Johnson County

Cleburne is in Johnson 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).

Cleburne's own numbers

Typical home value
$221,100
Typical monthly rent
$1,322
Typical yearly household income
$70,656
Households that own their home
60%
Effective property tax rate
1.43%

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

Numbers for all of Johnson County

FHA limit, one-unit home
$563,500
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,745
Price change over 5 years (FHFA)
+50%
Homes in a high flood-risk zone
2.3%

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 Johnson County.

Everything about Johnson County

Buying

Buying a home in Cleburne

A typical home in Cleburne is worth $221,100: 23% below the county and 22% below Texas. With the typical household income in Cleburne ($70,656 a year), a typical home costs 3.1 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.

  • Cleburne 3.1 years
  • Johnson 3.4 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Johnson County

According to FHFA’s house price index, home prices in Johnson County rose 114% in the 10 years through 2025.

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

Period County Texas U.S.
Last year (2025) +0.1% +0.8% +2.9%
5 years (2020–2025) +50% +44% +47%
10 years (2015–2025) +114% +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

Cleburne next to Johnson 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
  • Cleburne $221,100
  • Johnson $285,900
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Cleburne $1,322
  • Johnson $1,398
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Cleburne $70,656
  • Johnson $84,859
  • Texas $78,476
  • United States $80,734
See the full table
Cleburne next to Johnson County and Texas
Measure Cleburne Johnson County Texas U.S.
Typical home value $221,100 $285,900 $283,800 $332,700
Typical monthly rent $1,322 $1,398 $1,403 $1,413
Typical yearly household income $70,656 $84,859 $78,476 $80,734
Households that own their home 60% 75% 63% 65%
Typical yearly property tax $3,162 $3,557 $4,232 $3,119
Effective property tax rate 1.43% 1.24% 1.49% 0.94%
Renters with high rent for their income 53% 52% 52% 51%

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

For a typical $221,100 home in Cleburne, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cleburne's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,924a month

    Least cash to close
    Down payment
    $7,739
    Cash to close
    $14,372
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $98

  • Conventional, 5% down $1,884a month

    Down payment
    $11,055
    Cash to close
    $17,688
    Rate
    7.18%
    Mortgage insurance
    PMI · $105

  • Conventional, 20% down, no PMI $1,554a month

    Down payment
    $44,220
    Cash to close
    $50,853
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,758a month

    Down payment
    $33,165
    Cash to close
    $39,798
    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 Cleburne and for Johnson County.

Property tax

Effective rate in Cleburne

1.43%of the home’s value each year

$3,162 a year for the typical owner in Cleburne.

  • Cleburne 1.43%
  • Johnson 1.24%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in Johnson County

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

Homes in the high-risk zone
2.3%
1,456
Of those, with NFIP insurance
24%
County Texas U.S.
Homes in the high-risk zone 2.3% 4.1% 3.5%
Of those, with NFIP insurance 24% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Cleburne

Typical rent in Cleburne is $1,322 a month: 5% below the county. In Cleburne, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Johnson County, by unit size. To pay the 2-bedroom one ($1,745 a month) without spending more than 30% of your income, you would need to earn $33.56 an hour working full time.

HUD fair market rent for all of Johnson 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 $1,461 $28.10 $58,440
1 bedroom $1,481 $28.48 $59,240
2 bedrooms $1,745 $33.56 $69,800
3 bedrooms $2,284 $43.92 $91,360
4 bedrooms $2,866 $55.12 $114,640

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 Cleburne

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

For 2 bedrooms it runs from $1,530 in 76031 to $1,540 in 76033.

None is above the fair market rent for Johnson County ($1,745).

  • 76031 $1,530$2,000
  • 76033 $1,540$2,010

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

HUD lists 8 buildings with rents for lower incomes in Cleburne. These are the largest.

  • Cimarron Springs Apts 1302 E Kilpatrick St, Cleburne 76031 156 homes, 149 low-income · 1 bd: 36 · 2 bd: 68 · 3 bd: 52 · In service since 2007
  • Villas at Henderson Place 303 N Hyde Park Blvd, Cleburne 76033 140 low-income homes · 1 bd: 40 · 2 bd: 76 · 3 bd: 24 · In service since 2007
  • Cobblestone Village Apts 2209 N Main St, Cleburne 76033 144 homes, 136 low-income · 1 bd: 32 · 2 bd: 68 · 3 bd: 44 · In service since 1999
  • Plateau Ridge Apartments 701 McAnear St, Cleburne 76033 49 low-income homes · Studio: 12 · 1 bd: 36 · 2 bd: 1 · For older adults (817) 556-0326
  • LINCOLN RIDGE (FHA223f/HAP202-8 NC) 705 McAnear St, Cleburne 76033 29 low-income homes · For older adults (817) 645-2244

See all 23 buildings in Johnson County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Cleburne

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

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Cleburne

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

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

  • Fort Worth Area Habitat for Humanity Inc

    9333 N Normandale St, Fort Worth · 26 miles away · Spanish

    • Budget and credit workshops
    • Pre-purchase counseling
    • and 1 more
    817-926-9219x119

  • Housing Opportunities of Fort Worth

    2500 West Fwy Ste 400, Fort Worth · 27 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (817) 923-9192

  • Housing Channel

    851 Grainger St, Fort Worth · 27 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (817) 924-5091

All counseling agencies in Texas

Help in Spanish near Cleburne

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 Cleburne

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

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

Cities

Other cities in Johnson County

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

Everything about Johnson County Housing in Texas

Nearby cities

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

Neighboring counties

If Johnson 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 Cleburne.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Cleburne

Short answers with the numbers for Cleburne and all of Johnson 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 Cleburne?

The typical home value in Cleburne is $221,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Johnson County it is $285,900.

How much does it cost to rent in Cleburne?

Typical rent in Cleburne is $1,322 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Johnson County is $1,745.

What is the FHA loan limit in Cleburne?

Cleburne uses the FHA limit for all of Johnson 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 Cleburne?

The typical homeowner in Cleburne pays $3,162 a year, according to the U.S. Census Bureau. That is 1.43% of the home’s value; in Johnson County, the rate is 1.24%.

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

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