In Clute, a typical home is worth $271,700 and typical rent is $1,130 a month. Compared with all of Brazoria County, typical household income is 28% lower, typical rent is 22% lower, and the share of households that own their home is 25 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $189,976 to $194,270.
Typical rent
$825a month
Typical rent from Zillow, December 2025 to September 2026: from $869 to $825.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Clute is in Brazoria 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 Brazoria County. See the county
What this place has that others do not, from public data, most unusual first.
1
49% of households in Clute own their home, against 74% in Brazoria County.
2
Nearby, in Freeport, the typical home value is $135,900: 50% less than in Clute ($271,700).
3
The typical household income in Clute is $70,208,28% less than in Brazoria County as a whole ($97,993).
4
The typical rent in Clute is $1,130 a month, 22% less than in Brazoria County as a whole ($1,454).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Clute
What homes there are in Clute, 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
Clute
Brazoria County
Texas
United States
Kind of home: Clute and its comparisons
Measure
Clute
Brazoria County
Texas
United States
Detached house
49%
73%
64%
61%
Attached house
Unreliable estimate
2%
3%
6%
Building of 2 to 4
Unreliable estimate
2%
5%
8%
Apartments (5 or more)
38%
13%
21%
19%
Mobile home
5%
9%
6%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
Homes in Clute are varied: detached houses are the largest group, at 49%, against 73% in Brazoria County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Clute
Brazoria County
Texas
United States
Year built: Clute and its comparisons
Measure
Clute
Brazoria County
Texas
United States
Before 1960
8%
8%
12%
26%
1960–1979
31%
21%
21%
24%
1980–1999
23%
26%
28%
25%
2000–2009
18%
21%
18%
14%
2010 or later
20%
24%
21%
11%
The typical home in Clute was built in 1986, 10 years before the typical one in Brazoria County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K24%
$200K–$300KUnreliable
$300K–$500K37%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Clute and its comparisons
Measure
Clute
Under $100K
Unreliable estimate
$100K–$200K
24%
$200K–$300K
Unreliable estimate
$300K–$500K
37%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99933%
$1,000–$1,49940%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Clute and its comparisons
Measure
Clute
Under $500
Unreliable estimate
$500–$999
33%
$1,000–$1,499
40%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,903 a month
Brazoria County: $2,331 a month
Without a mortgage
$543 a month
Brazoria County: $732 a month
Owners with a mortgage
63%
Brazoria County: 61%
Owning costs less in Clute: with a mortgage, the typical cost is $1,903 a month; in Brazoria County, $2,331. Without one, $543.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Clute+141%
Brazoria County+53%
Texas+65%
United States+53%
Typical rent
CluteNo clear change
Brazoria County+27%
Texas+34%
United States+33%
Typical household income
CluteNo clear change
Brazoria County+20%
Texas+27%
United States+29%
Change since 2015–2019: Clute and its comparisons
Measure
Clute
Brazoria County
Texas
United States
Typical home value
+141%
+53%
+65%
+53%
Typical rent
No clear change
+27%
+34%
+33%
Typical household income
No clear change
+20%
+27%
+29%
The typical home value in Clute rose 141% since 2015–2019, more than in Brazoria County (53%).
Since 2015–2019, the typical rent in Clute did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Clute and its comparisons
Measure
Clute
Brazoria County
Texas
United States
Rental vacancy
18.1%
12.0%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
1.1%
1.1%
0.9%
More than one person per room
Unreliable estimate
3.0%
4.8%
3.4%
People per household
2.42
2.82
2.69
2.53
Drive alone
88%
80%
71%
69%
Carpool
7%
8%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
Unreliable estimate
11%
14%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
10 to 19 minutes
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
The rental vacancy rate in Clute is 18.1%, higher than in Brazoria County (12.0%).
On average, a household in Clute has 2.42 people, fewer than in Brazoria County (2.82).
The car rules in Clute: 88% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.
Do the math
What would you pay each month for a home in Clute?
A typical home costs more than the typical income allows
We start with a typical home in Clute, worth $271,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Clute, which is $70,208 a year. For that payment to be 28% of income, a household would need to earn about $105,407 a year.
The calculator's FHA and conventional loan limits are those of all of Brazoria 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 Clute. 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 $9,510 (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
$2,460
at 7.18% · 30 years
Loan amount
$266,778
Total interest
$383,831
Paid off in
November 2056
Includes $4,588 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,638 a month
Tight
$1,638 to $2,106 a month
Hard
more than $2,106 a month
Your payment · 42%
Compared with the typical household income in Clute ($70,208 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,807
Property tax
$419
Home insurance
$113
FHA mortgage insurance (MIP)
$120
You need at least $9,510 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 $2,460; principal and interest $1,807.
The city and its county
Clute and Brazoria County
Clute is in Brazoria 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).
Clute
Map of Brazoria County, Texas, with Clute marked. Around it, the neighboring counties.
Clute
Brazoria County
Other cities with a page
Clute's own numbers
Typical home value
$271,700
Typical monthly rent
$1,130
Typical yearly household income
$70,208
Households that own their home
49%
Effective property tax rate
1.85%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Brazoria County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,319
Price change over 5 years (FHFA)
+38%
Homes in a high flood-risk zone
22%
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 Brazoria County.
A typical home in Clute is worth $271,700: 10% below the county and 4% below Texas. With the typical household income in Clute ($70,208 a year), a typical home costs 3.9 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.
Clute3.9 years
Brazoria3.1 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Brazoria County
According to FHFA’s house price index, home prices in Brazoria County rose 79% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Brazoria County.
Yearly change in FHFA’s price index in Brazoria County, 2016 to 2025
2016: +7.7% +7.7% 2016
2017: +5.1% +5.1% 2017
2018: +6.7% +6.7% 2018
2019: +4.9% +4.9% 2019
2020: +2.7% +2.7% 2020
2021: +10.2% +10.2% 2021
2022: +14.7% +14.7% 2022
2023: +5.3% +5.3% 2023
2024: +1.8% +1.8% 2024
2025: +1.4% +1.4% 2025
Change in FHFA’s price index in Brazoria County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+1.4%
+0.8%
+2.9%
5 years (2020–2025)
+38%
+44%
+47%
10 years (2015–2025)
+79%
+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
Clute next to Brazoria 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
Clute$271,700
Brazoria$301,600
Texas$283,800
United States$332,700
Typical monthly rent
Clute$1,130
Brazoria$1,454
Texas$1,403
United States$1,413
Typical yearly household income
Clute$70,208
Brazoria$97,993
Texas$78,476
United States$80,734
See the full table
Clute next to Brazoria County and Texas
Measure
Clute
Brazoria County
Texas
U.S.
Typical home value
$271,700 ▼10% below the county
$301,600
$283,800
$332,700
Typical monthly rent
$1,130 ▼22% below the county
$1,454
$1,403
$1,413
Typical yearly household income
$70,208 ▼28% below the county
$97,993
$78,476
$80,734
Households that own their home
49% ▼25 points below the county
74%
63%
65%
Typical yearly property tax
$5,024
$5,001
$4,232
$3,119
Effective property tax rate
1.85% ▲0.19 points above the county
1.66%
1.49%
0.94%
Renters with high rent for their income
54% ▲5 points above the county
49%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Brazoria 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 Clute
For a typical $271,700 home in Clute, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Clute's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,460a month
Least cash to close
Down payment
$9,510
Cash to close
$17,661
Rate
7.18%
Mortgage insurance
FHA MIP · $120
Conventional, 5% down$2,410a month
Down payment
$13,585
Cash to close
$21,736
Rate
7.18%
Mortgage insurance
PMI · $129
Conventional, 20% down, no PMI$2,005a month
Down payment
$54,340
Cash to close
$62,491
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,256a month
Down payment
$40,755
Cash to close
$48,906
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Clute
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,460
$9,510
$266,779
7.18%
FHA MIP · $120
$17,661
580
Conventional, 5% down
$2,410
$13,585
$258,115
7.18%
PMI · $129
$21,736
620*
Conventional, 20% down, no PMI
$2,005
$54,340
$217,360
7.18%
None
$62,491
620*
ITIN, 15% down (example)
$2,256
$40,755
$230,945
8.18%
None
$48,906
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 Clute is $1,130 a month: 22% below the county. In Clute, 54% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Brazoria County, by unit size. To pay the 2-bedroom one ($1,319 a month) without spending more than 30% of your income, you would need to earn $25.37 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 Brazoria County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,021
$19.63
$40,840
1 bedroom
$1,212
$23.31
$48,480
2 bedrooms
$1,319
$25.37
$52,760
3 bedrooms
$1,790
$34.42
$71,600
4 bedrooms
$2,205
$42.40
$88,200
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 Clute
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Clute is in ZIP code 77531.
For 2 bedrooms it is $1,230: $89 less than the fair market rent for Brazoria County ($1,319).
Fair market rent by ZIP code and size in Clute, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
77531
$980
$1,120
$1,230
$1,660
$2,060
ZIP code2 bd3 bd
77531 $1,230$1,660
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Clute 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)
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 Brazoria 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 Clute or Brazoria County. The ones below are statewide in Texas: they work in Clute 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 Clute or Brazoria 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 Clute and all of Brazoria 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 Clute?
The typical home value in Clute is $271,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Brazoria County it is $301,600.
How much does it cost to rent in Clute?
Typical rent in Clute is $1,130 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Brazoria County is $1,319.
What is the FHA loan limit in Clute?
Clute uses the FHA limit for all of Brazoria 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 Clute?
The typical homeowner in Clute pays $5,024 a year, according to the U.S. Census Bureau. That is 1.85% of the home’s value; in Brazoria County, the rate is 1.66%.
Where can I find free help to buy or rent in Clute?
We found no HUD-approved counseling agencies with an office in Brazoria County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
