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City · 6,364 residents · Houston County, Texas

Crockett , Texas

In Crockett, a typical home is worth $121,100 and typical rent is $855 a month. Compared with all of Houston County, typical household income is 31% lower, the typical home value is 27% lower, and the share of households that own their home is 23 points lower.

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  • Typical home value

    $121,100

    27% below the county

    57% below Texas

    • Crockett
    • Houston
    • Texas

  • Typical rent

    $855a month

    4% below the county

    39% below Texas

    • Crockett
    • Houston
    • Texas

  • Typical household income

    $38,869a year

    31% below the county

    50% below Texas

    • Crockett
    • Houston
    • Texas

  • Households that own their home

    48%

    23 points below the county

    15 points below Texas

    • Crockett
    • Houston
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$178,811
about the same as 12 months ago

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

Crockett is in Houston 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 Houston County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Crockett apart

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

  1. Crockett has the 10th lowest typical household income of the 424 cities in Texas with more than 5,000 people ($38,869).

  2. 48% of households in Crockett own their home, against 71% in Houston County.

  3. The typical home in Crockett is worth $121,100, 27% less than in Houston County as a whole ($164,900).

  4. Crockett has the 31st lowest typical rent of the 413 cities in Texas with more than 5,000 people ($855).

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

The homes here

Housing in Crockett

What homes there are in Crockett, 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 houses are the majority in Crockett (61%), but less so than in Houston County (70%).

Year built

The typical home in Crockett was built in 1972, 9 years before the typical one in Houston County.

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

About 69% of rented homes in Crockett cost less than HUD's 2-bedroom fair market rent for Houston County ($1,046).

With a mortgage

$1,705 a month

Houston County: $1,448 a month

Without a mortgage

$543 a month

Houston County: $585 a month

Owners with a mortgage

34%

Houston County: 34%

Owning costs more in Crockett: with a mortgage, the typical cost is $1,705 a month; in Houston County, $1,448. Without one, $543.

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

Homes in Crockett gained value more slowly than in Houston County: 56% since 2015–2019, against 64%.

The typical rent in Crockett rose 26% since 2015–2019, about the same as in Houston County (26%).

The typical household income in Crockett rose 45% over that time; home values changed +56% and rent +26%.

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

MeasureCrockettHouston CountyTexasUnited States
Rental vacancy Unreliable estimateUnreliable estimate7.7%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimateUnreliable estimate4.8%3.4%
People per household 2.292.422.692.53
Drive alone 85%80%71%69%
Carpool Unreliable estimate11%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home Unreliable estimate6%14%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.29 on average, against 2.42 in Houston County.

In Crockett, 85% of workers drive alone to work; in Houston County, 80%.

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 Crockett?

A typical home is tight for the typical income

We start with a typical home in Crockett, worth $121,100, 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 Crockett, which is $38,869 a year. For that payment to be 28% of income, a household would need to earn about $44,603 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Crockett. 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 $4,239 (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

$1,041

at 7.18% · 30 years

Loan amount
$118,906
Total interest
$171,078
Paid off in
November 2056

Includes $2,045 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $907 a month

  • Tight

    $907 to $1,166 a month

    Your payment · 32%

  • Hard

    more than $1,166 a month

Compared with the typical household income in Crockett ($38,869 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,041
Principal & interest$806
Property tax$131
Home insurance$51
FHA mortgage insurance (MIP)$54

You need at least $4,239 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

Crockett and Houston County

Crockett is in Houston 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).

Crockett's own numbers

Typical home value
$121,100
Typical monthly rent
$855
Typical yearly household income
$38,869
Households that own their home
48%
Effective property tax rate
1.3%

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

Numbers for all of Houston County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,046
Price change over 5 years (FHFA)
+59%
Homes in a high flood-risk zone
2.9%

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 Houston County.

Everything about Houston County

Buying

Buying a home in Crockett

A typical home in Crockett is worth $121,100: 27% below the county and 57% below Texas. With the typical household income in Crockett ($38,869 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.

  • Crockett 3.1 years
  • Houston 2.9 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Houston County

According to FHFA’s house price index, home prices in Houston County rose 132% in the 10 years through 2025.

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

Period County Texas U.S.
Last year (2025) +8.5% +0.8% +2.9%
5 years (2020–2025) +59% +44% +47%
10 years (2015–2025) +132% +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

Crockett next to Houston 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
  • Crockett $121,100
  • Houston $164,900
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Crockett $855
  • Houston $887
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Crockett $38,869
  • Houston $56,531
  • Texas $78,476
  • United States $80,734
See the full table
Crockett next to Houston County and Texas
Measure Crockett Houston County Texas U.S.
Typical home value $121,100 $164,900 $283,800 $332,700
Typical monthly rent $855 $887 $1,403 $1,413
Typical yearly household income $38,869 $56,531 $78,476 $80,734
Households that own their home 48% 71% 63% 65%
Typical yearly property tax $1,570 $1,387 $4,232 $3,119
Effective property tax rate 1.3% 0.84% 1.49% 0.94%
Renters with high rent for their income 57% 50% 52% 51%

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

For a typical $121,100 home in Crockett, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Crockett's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,041a month

    Least cash to close
    Down payment
    $4,239
    Cash to close
    $7,872
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $54

  • Conventional, 5% down $1,019a month

    Down payment
    $6,055
    Cash to close
    $9,688
    Rate
    7.18%
    Mortgage insurance
    PMI · $58

  • Conventional, 20% down, no PMI $838a month

    Down payment
    $24,220
    Cash to close
    $27,853
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $950a month

    Down payment
    $18,165
    Cash to close
    $21,798
    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 Crockett and for Houston County.

Property tax

Effective rate in Crockett

1.3%of the home’s value each year

$1,570 a year for the typical owner in Crockett.

  • Crockett 1.3%
  • Houston 0.84%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in Houston County

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

Homes in the high-risk zone
2.9%
235
Of those, with NFIP insurance
6.4%
County Texas U.S.
Homes in the high-risk zone 2.9% 4.1% 3.5%
Of those, with NFIP insurance 6.4% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Crockett

Typical rent in Crockett is $855 a month: 4% below the county. In Crockett, 57% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Houston County, by unit size. To pay the 2-bedroom one ($1,046 a month) without spending more than 30% of your income, you would need to earn $20.12 an hour working full time.

HUD fair market rent for all of Houston 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 $795 $15.29 $31,800
1 bedroom $829 $15.94 $33,160
2 bedrooms $1,046 $20.12 $41,840
3 bedrooms $1,302 $25.04 $52,080
4 bedrooms $1,375 $26.44 $55,000

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 Crockett

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Crockett is in ZIP code 75835.

For 2 bedrooms it is $1,050: $4 more than the fair market rent for Houston County ($1,046).

  • 75835 $1,050$1,310

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

HUD lists 6 buildings with rents for lower incomes in Crockett. These are the largest.

  • Unnamed 101 Lewis Cir, Crockett 75835 278 low-income homes · Run by Housing Authority of Crockett · Average payment: $348 a month · Average wait: 5 months · Homes at several sites (936) 544-2057
  • Crockett Pine Ridge Manor 1100 S Commerce St, Crockett 75835 70 low-income homes · For families (936) 544-3064
  • Pine Ridge Manor 1100 Martin Luther King Jr Blvd, Crockett 75835 70 low-income homes · In service since 2013
  • Cole Creek Apts 1406 Cole Crk, Crockett 75835 64 homes, 60 low-income · In service since 2004
  • Crockett Manor LTD 1510 E Loop 304, Crockett 75835 40 low-income homes · 1 bd: 8 · 2 bd: 28 · 3 bd: 4 · In service since 1994

See all 7 buildings in Houston County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Crockett

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

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Crockett

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

The HUD-approved agencies closest to the center of Crockett, 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 · 92 miles away · Spanish

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

  • Nid-Hca Dightman

    113 N Avenue H, Humble · 92 miles away · Spanish

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

  • Neighborhood Housing Services of Waco, Inc.

    922 Franklin Ave, Waco · 100 miles away · Spanish

    • Budget and credit workshops
    • Workshops for new owners
    • and 2 more
    (254) 752-1647

All counseling agencies in Texas

Help in Spanish near Crockett

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 Crockett

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

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

Cities

Nearby cities

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

Everything about Houston County Housing in Texas

Neighboring counties

If Houston 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 Crockett.

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

Questions

Housing questions about Crockett

Short answers with the numbers for Crockett and all of Houston 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 Crockett?

The typical home value in Crockett is $121,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Houston County it is $164,900.

How much does it cost to rent in Crockett?

Typical rent in Crockett is $855 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Houston County is $1,046.

What is the FHA loan limit in Crockett?

Crockett uses the FHA limit for all of Houston 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 Crockett?

The typical homeowner in Crockett pays $1,570 a year, according to the U.S. Census Bureau. That is 1.3% of the home’s value; in Houston County, the rate is 0.84%.

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

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