In Copperas Cove, a typical home is worth $180,500 and typical rent is $1,043 a month. Compared with all of Coryell County, typical rent is 12% lower and the typical home value is 8% lower.
Typical home value from Zillow, September 2021 to September 2026: from $188,494 to $224,896.
Typical rent
$1,196a month
▲ 0.9% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $972 to $1,196.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Copperas Cove is in Coryell 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 Coryell County. See the county
What homes there are in Copperas Cove, 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
Copperas Cove
Coryell County
Texas
United States
Kind of home: Copperas Cove and its comparisons
Measure
Copperas Cove
Coryell County
Texas
United States
Detached house
71%
67%
64%
61%
Attached house
3%
10%
3%
6%
Building of 2 to 4
15%
11%
5%
8%
Apartments (5 or more)
9%
6%
21%
19%
Mobile home
2%
5%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Copperas Cove, 7 in 10 homes are single-family detached houses; in Coryell County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
Copperas Cove
Coryell County
Texas
United States
Year built: Copperas Cove and its comparisons
Measure
Copperas Cove
Coryell County
Texas
United States
Before 1960
6%
12%
12%
26%
1960–1979
30%
28%
21%
24%
1980–1999
33%
28%
28%
25%
2000–2009
15%
16%
18%
14%
2010 or later
17%
17%
21%
11%
By age, homes in Copperas Cove look like those in Coryell County: the typical year built is 1989.
There are fewer big homes in Copperas Cove than in Coryell County: 71% have 3 bedrooms or more, against 75%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K16%
$100K–$200K39%
$200K–$300K29%
$300K–$500K14%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Copperas Cove and its comparisons
Measure
Copperas Cove
Under $100K
16%
$100K–$200K
39%
$200K–$300K
29%
$300K–$500K
14%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
With an FHA limit of $541,287, at least 99% of owner-occupied homes in Copperas Cove sit below it: they are worth less than $500,000.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $5006%
$500–$99941%
$1,000–$1,49937%
HUD fair market rent, 2 bedrooms: $1,138
$1,500–$1,99912%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Copperas Cove and its comparisons
Measure
Copperas Cove
Under $500
6%
$500–$999
41%
$1,000–$1,499
37%
$1,500–$1,999
12%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
About 57% of rented homes in Copperas Cove cost less than HUD's 2-bedroom fair market rent for Coryell County ($1,138); the rest cost more.
With a mortgage
$1,515 a month
Coryell County: $1,569 a month
Without a mortgage
$531 a month
Coryell County: $548 a month
Owners with a mortgage
65%
Coryell County: 57%
Owning costs about the same in Copperas Cove as in Coryell County: with a mortgage, $1,515 a month; without one, $531.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Copperas Cove+61%
Coryell County+71%
Texas+65%
United States+53%
Typical rent
Copperas Cove+21%
Coryell County+29%
Texas+34%
United States+33%
Typical household income
Copperas Cove+36%
Coryell County+35%
Texas+27%
United States+29%
Change since 2015–2019: Copperas Cove and its comparisons
Measure
Copperas Cove
Coryell County
Texas
United States
Typical home value
+61%
+71%
+65%
+53%
Typical rent
+21%
+29%
+34%
+33%
Typical household income
+36%
+35%
+27%
+29%
Homes in Copperas Cove gained value more slowly than in Coryell County: 61% since 2015–2019, against 71%.
The typical rent in Copperas Cove rose 21% over the same time; in Coryell County, it rose 29%.
The typical household income in Copperas Cove rose 36% over that time; home values changed +61% and rent +21%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Copperas Cove and its comparisons
Measure
Copperas Cove
Coryell County
Texas
United States
Rental vacancy
Unreliable estimate
3.1%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
2.5%
2.6%
4.8%
3.4%
People per household
2.40
2.53
2.69
2.53
Drive alone
75%
71%
71%
69%
Carpool
10%
9%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
8%
2%
3%
Work from home
11%
11%
14%
15%
Other means
3%
2%
2%
2%
Typical commute
20 to 29 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Coryell County, 2.5% of households in Copperas Cove have more than one person per room.
On average, a household in Copperas Cove has 2.40 people, fewer than in Coryell County (2.53).
To get to work, 75% of workers in Copperas Cove drive alone; in Coryell County, 71%.
Do the math
What would you pay each month for a home in Copperas Cove?
A typical home is within reach of the typical income
We start with a typical home in Copperas Cove, worth $180,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in Copperas Cove, which is $71,225 a year.
The calculator's FHA and conventional loan limits are those of all of Coryell 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 Copperas Cove. 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 $6,318 (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
$1,608
at 7.18% · 30 years
Loan amount
$177,230
Total interest
$254,993
Paid off in
November 2056
Includes $3,048 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,662 a month
Your payment · 27%
Tight
$1,662 to $2,137 a month
Hard
more than $2,137 a month
Compared with the typical household income in Copperas Cove ($71,225 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,201
Property tax
$253
Home insurance
$75
FHA mortgage insurance (MIP)
$80
You need at least $6,318 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 $1,608; principal and interest $1,201.
The city and its county
Copperas Cove and Coryell County
Copperas Cove is in Coryell 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).
Copperas Cove
Map of Coryell County, Texas, with Copperas Cove marked. Around it, the neighboring counties.
Copperas Cove
Coryell County
Other cities with a page
Copperas Cove's own numbers
Typical home value
$180,500
Typical monthly rent
$1,043
Typical yearly household income
$71,225
Households that own their home
60%
Effective property tax rate
1.68%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Coryell County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,138
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
1.1%
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 Coryell County.
A typical home in Copperas Cove is worth $180,500: 8% below the county and 36% below Texas. With the typical household income in Copperas Cove ($71,225 a year), a typical home costs 2.5 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.
Copperas Cove2.5 years
Coryell2.7 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Coryell County
According to FHFA’s house price index, home prices in Coryell County rose 101% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Coryell County.
Yearly change in FHFA’s price index in Coryell County, 2016 to 2025
2016: +5.8% +5.8% 2016
2017: +4.2% +4.2% 2017
2018: +3.7% +3.7% 2018
2019: +8.1% +8.1% 2019
2020: +5.7% +5.7% 2020
2021: +16.5% +16.5% 2021
2022: +22.4% +22.4% 2022
2023: +4.9% +4.9% 2023
2024: −1.8% −1.8% 2024
2025: +5.0% +5.0% 2025
Change in FHFA’s price index in Coryell County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+5.0%
+0.8%
+2.9%
5 years (2020–2025)
+54%
+44%
+47%
10 years (2015–2025)
+101%
+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
Copperas Cove next to Coryell 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
Copperas Cove$180,500
Coryell$195,300
Texas$283,800
United States$332,700
Typical monthly rent
Copperas Cove$1,043
Coryell$1,186
Texas$1,403
United States$1,413
Typical yearly household income
Copperas Cove$71,225
Coryell$71,301
Texas$78,476
United States$80,734
See the full table
Copperas Cove next to Coryell County and Texas
Measure
Copperas Cove
Coryell County
Texas
U.S.
Typical home value
$180,500 ▼8% below the county
$195,300
$283,800
$332,700
Typical monthly rent
$1,043 ▼12% below the county
$1,186
$1,403
$1,413
Typical yearly household income
$71,225
$71,301
$78,476
$80,734
Households that own their home
60% ▲1 points above the county
59%
63%
65%
Typical yearly property tax
$3,025 ▲14% above the county
$2,654
$4,232
$3,119
Effective property tax rate
1.68% ▲0.32 points above the county
1.36%
1.49%
0.94%
Renters with high rent for their income
42% ▲1 points above the county
41%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Coryell 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 Copperas Cove
For a typical $180,500 home in Copperas Cove, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Copperas Cove's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,608a month
Least cash to close
Down payment
$6,318
Cash to close
$11,733
Rate
7.18%
Mortgage insurance
FHA MIP · $80
Conventional, 5% down$1,575a month
Down payment
$9,025
Cash to close
$14,440
Rate
7.18%
Mortgage insurance
PMI · $86
Conventional, 20% down, no PMI$1,306a month
Down payment
$36,100
Cash to close
$41,515
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,473a month
Down payment
$27,075
Cash to close
$32,490
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Copperas Cove
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,608
$6,318
$177,231
7.18%
FHA MIP · $80
$11,733
580
Conventional, 5% down
$1,575
$9,025
$171,475
7.18%
PMI · $86
$14,440
620*
Conventional, 20% down, no PMI
$1,306
$36,100
$144,400
7.18%
None
$41,515
620*
ITIN, 15% down (example)
$1,473
$27,075
$153,425
8.18%
None
$32,490
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 Copperas Cove is $1,043 a month: 12% below the county. In Copperas Cove, 42% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Coryell County, by unit size. To pay the 2-bedroom one ($1,138 a month) without spending more than 30% of your income, you would need to earn $21.88 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 Coryell County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$921
$17.71
$36,840
1 bedroom
$927
$17.83
$37,080
2 bedrooms
$1,138
$21.88
$45,520
3 bedrooms
$1,576
$30.31
$63,040
4 bedrooms
$1,902
$36.58
$76,080
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 Copperas Cove
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Copperas Cove is in ZIP code 76522.
For 2 bedrooms it is $1,110: $28 less than the fair market rent for Coryell County ($1,138).
Fair market rent by ZIP code and size in Copperas Cove, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
76522
$890
$900
$1,110
$1,540
$1,870
ZIP code2 bd3 bd
76522 $1,110$1,540
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Copperas Cove 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 5 buildings with rents for lower incomes in Copperas Cove. These are the largest.
Phil Ave. Complex1215A Phil Ave, Copperas Cove 76522100 low-income homes · Run by Housing Authority of Copperas Cove · Average payment: $361 a month · Average wait: 18 months(254) 547-9591
Brookview Village1000 Brookview Dr, Copperas Cove 7652296 low-income homes · In service since 2013
Cove Village Apts1102 Golf Course Rd, Copperas Cove 7652250 low-income homes · For families(254) 547-6336
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 Coryell 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 Copperas Cove or Coryell County. The ones below are statewide in Texas: they work in Copperas Cove 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).
The HUD-approved agencies closest to the center of Copperas Cove, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
FC
Families in Crisis, Inc.
1305 E Rancier Ave, Killeen · 12 miles away · Spanish
No legal help resource on our list is for Copperas Cove or Coryell 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 Copperas Cove and all of Coryell 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 Copperas Cove?
The typical home value in Copperas Cove is $180,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Coryell County it is $195,300.
How much does it cost to rent in Copperas Cove?
Typical rent in Copperas Cove is $1,043 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Coryell County is $1,138.
What is the FHA loan limit in Copperas Cove?
Copperas Cove uses the FHA limit for all of Coryell 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 Copperas Cove?
The typical homeowner in Copperas Cove pays $3,025 a year, according to the U.S. Census Bureau. That is 1.68% of the home’s value; in Coryell County, the rate is 1.36%.
Where can I find free help to buy or rent in Copperas Cove?
We found no HUD-approved counseling agencies with an office in Coryell County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
