Typical home value from Zillow, September 2021 to September 2026: from $162,182 to $190,061.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Dumas is in Moore 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 Moore County. See the county
What this place has that others do not, from public data, most unusual first.
1
Dumas has the 13th smallest share of rent-burdened renters of the 356 cities in Texas with more than 5,000 people (36%).
2
Nearby, in Pampa, the typical home value is $100,700: 36% less than in Dumas ($156,300).
3
According to Zillow, in the 12 months to September 2026 the typical home value in Dumas rose 3.3%; in Texas, it fell 1.4%.
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Dumas
What homes there are in Dumas, 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
Dumas
Moore County
Texas
United States
Kind of home: Dumas and its comparisons
Measure
Dumas
Moore County
Texas
United States
Detached house
72%
65%
64%
61%
Attached house
Unreliable estimate
Unreliable estimate
3%
6%
Building of 2 to 4
11%
11%
5%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
21%
19%
Mobile home
Unreliable estimate
12%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Dumas, 7 in 10 homes are single-family detached houses; in Moore County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
Dumas
Moore County
Texas
United States
Year built: Dumas and its comparisons
Measure
Dumas
Moore County
Texas
United States
Before 1960
28%
25%
12%
26%
1960–1979
40%
35%
21%
24%
1980–1999
19%
19%
28%
25%
2000–2009
5%
9%
18%
14%
2010 or later
8%
12%
21%
11%
In Dumas, half of the homes were built before 1972; in Moore County, before 1975.
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 $100K29%
$100K–$200K36%
$200K–$300K25%
$300K–$500K9%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Dumas and its comparisons
Measure
Dumas
Under $100K
29%
$100K–$200K
36%
$200K–$300K
25%
$300K–$500K
9%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
The FHA limit for Moore County is high ($541,287): at least 99% of owner-occupied homes in Dumas are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99945%
$1,000–$1,49940%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Dumas and its comparisons
Measure
Dumas
Under $500
Unreliable estimate
$500–$999
45%
$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 estimate
With a mortgage
$1,443 a month
Moore County: $1,523 a month
Without a mortgage
$537 a month
Moore County: $536 a month
Owners with a mortgage
53%
Moore County: 46%
The typical cost for an owner with a mortgage in Dumas is $1,443 a month, less than in Moore County ($1,523); without one, $537.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Dumas+18%
Moore County+25%
Texas+65%
United States+53%
Typical rent
Dumas+19%
Moore County+15%
Texas+34%
United States+33%
Typical household income
DumasNo clear change
Moore County+13%
Texas+27%
United States+29%
Change since 2015–2019: Dumas and its comparisons
Measure
Dumas
Moore County
Texas
United States
Typical home value
+18%
+25%
+65%
+53%
Typical rent
+19%
+15%
+34%
+33%
Typical household income
No clear change
+13%
+27%
+29%
The typical home value in Dumas rose 18% since 2015–2019, less than in Moore County (25%).
Rents in Dumas rose faster than in Moore County: 19% since 2015–2019, against 15%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Dumas and its comparisons
Measure
Dumas
Moore County
Texas
United States
Rental vacancy
20.8%
17.0%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
6.1%
4.8%
3.4%
People per household
2.96
2.97
2.69
2.53
Drive alone
82%
82%
71%
69%
Carpool
12%
11%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
5%
2%
3%
Work from home
Unreliable estimate
Unreliable estimate
14%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
The rental vacancy rate in Dumas is 20.8%, higher than in Moore County (17.0%).
Much as in Moore County, a household in Dumas has 2.96 people on average.
To get to work, 82% of workers in Dumas drive alone; in Moore County, 82%.
Do the math
What would you pay each month for a home in Dumas?
A typical home is within reach of the typical income
We start with a typical home in Dumas, worth $156,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Dumas, which is $63,788 a year.
The calculator's FHA and conventional loan limits are those of all of Moore 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 Dumas. 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 $5,471 (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
$1,365
at 7.18% · 30 years
Loan amount
$153,469
Total interest
$220,805
Paid off in
November 2056
Includes $2,640 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,488 a month
Your payment · 26%
Tight
$1,488 to $1,914 a month
Hard
more than $1,914 a month
Compared with the typical household income in Dumas ($63,788 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,040
Property tax
$192
Home insurance
$65
FHA mortgage insurance (MIP)
$69
You need at least $5,471 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 $1,365; principal and interest $1,040.
The city and its county
Dumas and Moore County
Dumas is in Moore 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).
Dumas
Map of Moore County, Texas, with Dumas marked. Around it, the neighboring counties.
Dumas
Moore County
Dumas's own numbers
Typical home value
$156,300
Typical monthly rent
$1,028
Typical yearly household income
$63,788
Households that own their home
62%
Effective property tax rate
1.47%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Moore County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,070
Price change over 5 years (FHFA)
+43%
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 Moore County.
A typical home in Dumas is worth $156,300: 2% above the county and 45% below Texas. With the typical household income in Dumas ($63,788 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.
Dumas2.5 years
Moore2.5 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Moore County
According to FHFA’s house price index, home prices in Moore County rose 64% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Moore County.
Yearly change in FHFA’s price index in Moore County, 2016 to 2025
2016: −2.5% −2.5% 2016
2017: +4.3% +4.3% 2017
2018: +3.9% +3.9% 2018
2019: +4.0% +4.0% 2019
2020: +4.9% +4.9% 2020
2021: +8.8% +8.8% 2021
2022: +9.5% +9.5% 2022
2023: +5.5% +5.5% 2023
2024: +4.1% +4.1% 2024
2025: +8.9% +8.9% 2025
Change in FHFA’s price index in Moore County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+8.9%
+0.8%
+2.9%
5 years (2020–2025)
+43%
+44%
+47%
10 years (2015–2025)
+64%
+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
Dumas next to Moore 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
Dumas$156,300
Moore$152,600
Texas$283,800
United States$332,700
Typical monthly rent
Dumas$1,028
Moore$939
Texas$1,403
United States$1,413
Typical yearly household income
Dumas$63,788
Moore$61,762
Texas$78,476
United States$80,734
See the full table
Dumas next to Moore County and Texas
Measure
Dumas
Moore County
Texas
U.S.
Typical home value
$156,300 ▲2% above the county
$152,600
$283,800
$332,700
Typical monthly rent
$1,028 ▲9% above the county
$939
$1,403
$1,413
Typical yearly household income
$63,788 ▲3% above the county
$61,762
$78,476
$80,734
Households that own their home
62%
62%
63%
65%
Typical yearly property tax
$2,293 ▲16% above the county
$1,985
$4,232
$3,119
Effective property tax rate
1.47% ▲0.17 points above the county
1.3%
1.49%
0.94%
Renters with high rent for their income
36% ▼1 points below the county
37%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Moore 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 Dumas
For a typical $156,300 home in Dumas, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Dumas's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,365a month
Least cash to close
Down payment
$5,471
Cash to close
$10,160
Rate
7.18%
Mortgage insurance
FHA MIP · $69
Conventional, 5% down$1,337a month
Down payment
$7,815
Cash to close
$12,504
Rate
7.18%
Mortgage insurance
PMI · $74
Conventional, 20% down, no PMI$1,104a month
Down payment
$31,260
Cash to close
$35,949
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,248a month
Down payment
$23,445
Cash to close
$28,134
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Dumas
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,365
$5,471
$153,469
7.18%
FHA MIP · $69
$10,160
580
Conventional, 5% down
$1,337
$7,815
$148,485
7.18%
PMI · $74
$12,504
620*
Conventional, 20% down, no PMI
$1,104
$31,260
$125,040
7.18%
None
$35,949
620*
ITIN, 15% down (example)
$1,248
$23,445
$132,855
8.18%
None
$28,134
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 Dumas is $1,028 a month: 9% above the county. In Dumas, 36% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Moore County, by unit size. To pay the 2-bedroom one ($1,070 a month) without spending more than 30% of your income, you would need to earn $20.58 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 Moore County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$813
$15.63
$32,520
1 bedroom
$818
$15.73
$32,720
2 bedrooms
$1,070
$20.58
$42,800
3 bedrooms
$1,348
$25.92
$53,920
4 bedrooms
$1,788
$34.38
$71,520
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 Dumas
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Dumas is in ZIP code 79029.
For 2 bedrooms it is $1,180: $110 more than the fair market rent for Moore County ($1,070).
Fair market rent by ZIP code and size in Dumas, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
79029
$900
$900
$1,180
$1,490
$1,970
ZIP code2 bd3 bd
79029 $1,180$1,490
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Dumas 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 2 buildings with rents for lower incomes in Dumas. These are the largest.
Reserves at High Plains702 Oak Ave, Dumas 7902964 low-income homes · In service since 2013
Westwind of Dumas331 W. 16th Street, Dumas 7902964 homes, 56 low-income · For older adults, people with disabilities, families, people experiencing homelessness
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 Moore 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 Dumas or Moore County. The ones below are statewide in Texas: they work in Dumas 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 Dumas or Moore 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 Dumas and all of Moore 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 Dumas?
The typical home value in Dumas is $156,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Moore County it is $152,600.
How much does it cost to rent in Dumas?
Typical rent in Dumas is $1,028 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Moore County is $1,070.
What is the FHA loan limit in Dumas?
Dumas uses the FHA limit for all of Moore 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 Dumas?
The typical homeowner in Dumas pays $2,293 a year, according to the U.S. Census Bureau. That is 1.47% of the home’s value; in Moore County, the rate is 1.3%.
Where can I find free help to buy or rent in Dumas?
We found no HUD-approved counseling agencies with an office in Moore County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
