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City · 124,570 residents · Brazos County, Texas

College Station , Texas

In College Station, a typical home is worth $346,700 and typical rent is $1,194 a month. Compared with all of Brazos County, the typical home value is 17% higher, typical household income is 13% lower, and the share of households that own their home is 11 points lower.

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  • Typical home value

    $346,700

    17% above the county

    22% above Texas

    • College Station
    • Brazos
    • Texas

  • Typical rent

    $1,194a month

    About the same as the county

    15% below Texas

    • College Station
    • Brazos
    • Texas

  • Typical household income

    $50,900a year

    13% below the county

    35% below Texas

    • College Station
    • Brazos
    • Texas

  • Households that own their home

    35%

    11 points below the county

    27 points below Texas

    • College Station
    • Brazos
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$344,129
about the same as 12 months ago
Typical rent
$1,655 a month
0.5% less than 12 months ago

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

College Station is in Brazos 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 Brazos County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets College Station apart

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

  1. College Station has the 7th lowest homeownership rate of the 426 cities in Texas with more than 5,000 people (35%).

  2. Nearby, in Prairie View, the typical home value is $167,600: 52% less than in College Station ($346,700).

  3. Nearby, in Navasota, the typical rent is $860: 28% less than in College Station ($1,194).

  4. The typical home in College Station is worth $346,700, 17% more than in Brazos County as a whole ($296,000).

  5. College Station has the 35th largest share of rent-burdened renters of the 356 cities in Texas with more than 5,000 people (65%).

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

The homes here

Housing in College Station

What homes there are in College Station, 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

No kind of home is the majority in College Station; the largest group, detached houses, adds up to 42%, less than in Brazos County (51%).

Year built

The typical year built in College Station is 1999, about the same as in Brazos County (1997).

There are fewer big homes in College Station than in Brazos County: 56% have 3 bedrooms or more, against 59%.

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

The FHA loan limit for Brazos County is $541,287, and about 86% of owner-occupied homes in College Station are worth less than that.

Monthly rent with utilities

About 42% of rented homes in College Station cost less than HUD's 2-bedroom fair market rent for Brazos County ($1,151); the rest cost more.

With a mortgage

$2,270 a month

Brazos County: $1,972 a month

Without a mortgage

$871 a month

Brazos County: $721 a month

Owners with a mortgage

60%

Brazos County: 57%

In College Station, 60% of owners have a mortgage, and their typical cost is $2,270 a month, against $1,972 in Brazos County. Without one it drops to $871.

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

From 2015–2019 to 2020–2024, the typical home value in College Station rose 44%; in Brazos County, it rose 47%.

The typical rent in College Station rose 22% over the same time; in Brazos County, it rose 26%.

Here income did not keep up with housing: it rose 11%, while home values changed +44% and rent +22%.

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

MeasureCollege StationBrazos CountyTexasUnited States
Rental vacancy 7.4%7.5%7.7%5.5%
Homeowner vacancy Unreliable estimate1.0%1.1%0.9%
More than one person per room 2.4%3.2%4.8%3.4%
People per household 2.372.462.692.53
Drive alone 70%73%71%69%
Carpool 8%9%10%9%
Public transit 3%2%1%3%
Walk or bike 6%4%2%3%
Work from home 12%11%14%15%
Other means 1%1%2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Open rentals in College Station look like those in Brazos County: the rental vacancy rate is 7.4%.

Much as in Brazos County, 2.4% of households in College Station have more than one person per room.

A household in College Station has 2.37 people on average, about the same as in Brazos County (2.46).

In College Station, 70% of workers drive alone to work; in Brazos County, 73%.

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 College Station?

A typical home costs more than the typical income allows

We start with a typical home in College Station, worth $346,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 73% of the typical household income in College Station, which is $50,900 a year. For that payment to be 28% of income, a household would need to earn about $132,027 a year.

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

Your numbers

Local data
$

Starts at the typical home value in College Station. 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 $12,135 (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

$3,081

at 7.18% · 30 years

Loan amount
$340,420
Total interest
$489,784
Paid off in
November 2056

Includes $5,855 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,188 a month

  • Tight

    $1,188 to $1,527 a month

  • Hard

    more than $1,527 a month

    Your payment · 73%

Compared with the typical household income in College Station ($50,900 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,081
Principal & interest$2,306
Property tax$477
Home insurance$145
FHA mortgage insurance (MIP)$153

You need at least $12,135 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

College Station and Brazos County

College Station is in Brazos 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).

College Station's own numbers

Typical home value
$346,700
Typical monthly rent
$1,194
Typical yearly household income
$50,900
Households that own their home
35%
Effective property tax rate
1.65%

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

Numbers for all of Brazos County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,151
Price change over 5 years (FHFA)
+47%
Homes in a high flood-risk zone
1.6%

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 Brazos County.

Everything about Brazos County

Buying

Buying a home in College Station

A typical home in College Station is worth $346,700: 17% above the county and 22% above Texas. With the typical household income in College Station ($50,900 a year), a typical home costs 6.8 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.

  • College Station 6.8 years
  • Brazos 5.1 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Brazos County

According to FHFA’s house price index, home prices in Brazos County rose 87% in the 10 years through 2025.

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

Period County Texas U.S.
Last year (2025) +2.0% +0.8% +2.9%
5 years (2020–2025) +47% +44% +47%
10 years (2015–2025) +87% +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

College Station next to Brazos 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
  • College Station $346,700
  • Brazos $296,000
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • College Station $1,194
  • Brazos $1,193
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • College Station $50,900
  • Brazos $58,553
  • Texas $78,476
  • United States $80,734
See the full table
College Station next to Brazos County and Texas
Measure College Station Brazos County Texas U.S.
Typical home value $346,700 $296,000 $283,800 $332,700
Typical monthly rent $1,194 $1,193 $1,403 $1,413
Typical yearly household income $50,900 $58,553 $78,476 $80,734
Households that own their home 35% 47% 63% 65%
Typical yearly property tax $5,730 $4,568 $4,232 $3,119
Effective property tax rate 1.65% 1.54% 1.49% 0.94%
Renters with high rent for their income 65% 61% 52% 51%

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

For a typical $346,700 home in College Station, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, College Station's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,081a month

    Least cash to close
    Down payment
    $12,135
    Cash to close
    $22,536
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $153

  • Conventional, 5% down $3,017a month

    Down payment
    $17,335
    Cash to close
    $27,736
    Rate
    7.18%
    Mortgage insurance
    PMI · $165

  • Conventional, 20% down, no PMI $2,500a month

    Down payment
    $69,340
    Cash to close
    $79,741
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,821a month

    Down payment
    $52,005
    Cash to close
    $62,406
    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 College Station and for Brazos County.

Property tax

Effective rate in College Station

1.65%of the home’s value each year

$5,730 a year for the typical owner in College Station.

  • College Station 1.65%
  • Brazos 1.54%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in Brazos County

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

Homes in the high-risk zone
1.6%
1,007
Of those, with NFIP insurance
42%
County Texas U.S.
Homes in the high-risk zone 1.6% 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 College Station

Typical rent in College Station is $1,194 a month: about the same as the county. In College Station, 65% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Brazos County, by unit size. To pay the 2-bedroom one ($1,151 a month) without spending more than 30% of your income, you would need to earn $22.13 an hour working full time.

HUD fair market rent for all of Brazos 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 $1,005 $19.33 $40,200
1 bedroom $1,057 $20.33 $42,280
2 bedrooms $1,151 $22.13 $46,040
3 bedrooms $1,594 $30.65 $63,760
4 bedrooms $1,900 $36.54 $76,000

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 College Station

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). College Station has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,160 in 77840 to $1,270 in 77845.

3 of the 3 are above the fair market rent for Brazos County ($1,151).

  • 77840 $1,160$1,610
  • 77843 $1,180$1,630
  • 77845 $1,270$1,760

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

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

  • Southgate Village 134 Luther St, College Station 77840 200 homes, 199 low-income · For families (979) 696-3702
  • Windsor Pointe Townhomes 2500 Central Park Ln, College Station 77840 192 low-income homes · 2 bd: 80 · 3 bd: 112 · In service since 1996
  • Heritage at Dartmouth 2518 Dartmouth St, College Station 77840 96 low-income homes · 1 bd: 80 · 2 bd: 16 · In service since 1999
  • Villas of Rock Prairie 100 Mortier Dr, College Station 77845 132 homes, 92 low-income · 1 bd: 36 · 2 bd: 76 · 3 bd: 20 · In service since 1996
  • Huntington at College Station Sec of Lakeway & Midtown Loop, College Station 77845 120 homes, 92 low-income · For older adults, people with disabilities, families, people experiencing homelessness

See all 17 buildings in Brazos County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in College Station

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

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in College Station

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

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

  • NSC (naca Counseling Subsidiary) - Houston, TX

    14425 Torrey Chase Blvd Ste 200, Houston · 63 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (713) 706-3400

  • Operation Hope - Houston TX

    10100 Katy Fwy, Houston · 71 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (832) 237-6747

  • Nid-Hca Dightman

    113 N Avenue H, Humble · 74 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (281) 895-0563

All counseling agencies in Texas

Help in Spanish near College Station

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 College Station

In HUD’s record, no housing authority with an office in Brazos County is named for College Station or Brazos County.

2 other authorities have an office in Brazos County: see the list Source: HUD

Cities

Other cities in Brazos County

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

Everything about Brazos County Housing in Texas

Nearby cities

The cities closest to College Station, with the typical home value.

Neighboring counties

If Brazos 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 College Station.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about College Station

Short answers with the numbers for College Station and all of Brazos 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 College Station?

The typical home value in College Station is $346,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Brazos County it is $296,000.

How much does it cost to rent in College Station?

Typical rent in College Station is $1,194 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Brazos County is $1,151.

What is the FHA loan limit in College Station?

College Station uses the FHA limit for all of Brazos 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 College Station?

The typical homeowner in College Station pays $5,730 a year, according to the U.S. Census Bureau. That is 1.65% of the home’s value; in Brazos County, the rate is 1.54%.

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

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