In Edinburg, a typical home is worth $189,600 and typical rent is $996 a month. Compared with all of Hidalgo County, the typical home value is 35% higher, typical household income is 9% higher, and the share of households that own their home is 14 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $166,641 to $212,973.
Typical rent
$1,027a month
▲ 1.2% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $910 to $1,027.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Edinburg is in Hidalgo 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 Hidalgo County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Doolittle, the typical home value is $78,200: 59% less than in Edinburg ($189,600).
2
The typical home in Edinburg is worth $189,600,35% more than in Hidalgo County as a whole ($140,900).
3
Nearby, in Murillo, the typical rent is $748: 25% less than in Edinburg ($996).
4
53% of households in Edinburg own their home, against 67% in Hidalgo County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Edinburg
What homes there are in Edinburg, 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
Edinburg
Hidalgo County
Texas
United States
Kind of home: Edinburg and its comparisons
Measure
Edinburg
Hidalgo County
Texas
United States
Detached house
58%
65%
64%
61%
Attached house
1%
2%
3%
6%
Building of 2 to 4
23%
10%
5%
8%
Apartments (5 or more)
13%
9%
21%
19%
Mobile home
5%
14%
6%
6%
Boat, RV and other
Unreliable estimate
1%
0%
0%
The detached house is still the most common home in Edinburg, but it weighs less than in Hidalgo County: 58% against 65%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Edinburg
Hidalgo County
Texas
United States
Year built: Edinburg and its comparisons
Measure
Edinburg
Hidalgo County
Texas
United States
Before 1960
3%
4%
12%
26%
1960–1979
14%
13%
21%
24%
1980–1999
24%
33%
28%
25%
2000–2009
28%
27%
18%
14%
2010 or later
31%
22%
21%
11%
The typical year built in Edinburg is 2003, about the same as in Hidalgo County (2000).
There are fewer big homes in Edinburg than in Hidalgo County: 57% have 3 bedrooms or more, against 62%.
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 $100K20%
$100K–$200K35%
$200K–$300K30%
$300K–$500K13%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Edinburg and its comparisons
Measure
Edinburg
Under $100K
20%
$100K–$200K
35%
$200K–$300K
30%
$300K–$500K
13%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
With an FHA limit of $541,287, at least 98% of owner-occupied homes in Edinburg sit below it: they are worth less than $500,000.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $5006%
$500–$99945%
$1,000–$1,49940%
HUD fair market rent, 2 bedrooms: $1,017
$1,500–$1,9998%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Edinburg and its comparisons
Measure
Edinburg
Under $500
6%
$500–$999
45%
$1,000–$1,499
40%
$1,500–$1,999
8%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
About 52% of rented homes in Edinburg cost less than HUD's 2-bedroom fair market rent for Hidalgo County ($1,017); the rest cost more.
With a mortgage
$1,670 a month
Hidalgo County: $1,486 a month
Without a mortgage
$539 a month
Hidalgo County: $472 a month
Owners with a mortgage
51%
Hidalgo County: 39%
Owning costs more in Edinburg: with a mortgage, the typical cost is $1,670 a month; in Hidalgo County, $1,486. Without one, $539.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Edinburg+56%
Hidalgo County+62%
Texas+65%
United States+53%
Typical rent
Edinburg+25%
Hidalgo County+30%
Texas+34%
United States+33%
Typical household income
Edinburg+22%
Hidalgo County+36%
Texas+27%
United States+29%
Change since 2015–2019: Edinburg and its comparisons
Measure
Edinburg
Hidalgo County
Texas
United States
Typical home value
+56%
+62%
+65%
+53%
Typical rent
+25%
+30%
+34%
+33%
Typical household income
+22%
+36%
+27%
+29%
From 2015–2019 to 2020–2024, the typical home value in Edinburg rose 56%; in Hidalgo County, it rose 62%.
Rents in Edinburg rose more slowly than in Hidalgo County: 25% since 2015–2019, against 30%.
Here income did not keep up with housing: it rose 22%, while home values changed +56% and rent +25%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Edinburg and its comparisons
Measure
Edinburg
Hidalgo County
Texas
United States
Rental vacancy
6.4%
6.7%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
1.3%
1.1%
0.9%
More than one person per room
7.2%
10.9%
4.8%
3.4%
People per household
2.80
3.27
2.69
2.53
Drive alone
72%
75%
71%
69%
Carpool
12%
11%
10%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
2%
1%
2%
3%
Work from home
11%
9%
14%
15%
Other means
4%
4%
2%
2%
Typical commute
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Open rentals in Edinburg look like those in Hidalgo County: the rental vacancy rate is 6.4%.
More than one person per room: that is how 7.2% of households in Edinburg live, less than in Hidalgo County (10.9%).
Fewer people live in each home here: 2.80 on average, against 3.27 in Hidalgo County.
To get to work, 72% of workers in Edinburg drive alone; in Hidalgo County, 75%.
Do the math
What would you pay each month for a home in Edinburg?
A typical home is tight for the typical income
We start with a typical home in Edinburg, worth $189,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Edinburg, which is $59,466 a year. For that payment to be 28% of income, a household would need to earn about $73,895 a year.
The calculator's FHA and conventional loan limits are those of all of Hidalgo 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 Edinburg. 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 $6,636 (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
$1,724
at 7.18% · 30 years
Loan amount
$186,166
Total interest
$267,849
Paid off in
November 2056
Includes $3,202 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,388 a month
Tight
$1,388 to $1,784 a month
Your payment · 35%
Hard
more than $1,784 a month
Compared with the typical household income in Edinburg ($59,466 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,261
Property tax
$300
Home insurance
$79
FHA mortgage insurance (MIP)
$84
You need at least $6,636 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 $1,724; principal and interest $1,261.
The city and its county
Edinburg and Hidalgo County
Edinburg is in Hidalgo 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).
Edinburg
Map of Hidalgo County, Texas, with Edinburg marked. Around it, the neighboring counties.
Edinburg
Hidalgo County
Other cities with a page
Edinburg's own numbers
Typical home value
$189,600
Typical monthly rent
$996
Typical yearly household income
$59,466
Households that own their home
53%
Effective property tax rate
1.9%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Hidalgo County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,017
Price change over 5 years (FHFA)
+56%
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 Hidalgo County.
A typical home in Edinburg is worth $189,600: 35% above the county and 33% below Texas. With the typical household income in Edinburg ($59,466 a year), a typical home costs 3.2 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.
Edinburg3.2 years
Hidalgo2.6 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Hidalgo County
According to FHFA’s house price index, home prices in Hidalgo County rose 88% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Hidalgo County.
Yearly change in FHFA’s price index in Hidalgo County, 2016 to 2025
2016: +3.6% +3.6% 2016
2017: +3.6% +3.6% 2017
2018: +4.0% +4.0% 2018
2019: +3.5% +3.5% 2019
2020: +4.4% +4.4% 2020
2021: +10.0% +10.0% 2021
2022: +17.9% +17.9% 2022
2023: +11.0% +11.0% 2023
2024: +4.3% +4.3% 2024
2025: +4.1% +4.1% 2025
Change in FHFA’s price index in Hidalgo County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+4.1%
+0.8%
+2.9%
5 years (2020–2025)
+56%
+44%
+47%
10 years (2015–2025)
+88%
+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
Edinburg next to Hidalgo 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
Edinburg$189,600
Hidalgo$140,900
Texas$283,800
United States$332,700
Typical monthly rent
Edinburg$996
Hidalgo$957
Texas$1,403
United States$1,413
Typical yearly household income
Edinburg$59,466
Hidalgo$54,338
Texas$78,476
United States$80,734
See the full table
Edinburg next to Hidalgo County and Texas
Measure
Edinburg
Hidalgo County
Texas
U.S.
Typical home value
$189,600 ▲35% above the county
$140,900
$283,800
$332,700
Typical monthly rent
$996 ▲4% above the county
$957
$1,403
$1,413
Typical yearly household income
$59,466 ▲9% above the county
$54,338
$78,476
$80,734
Households that own their home
53% ▼14 points below the county
67%
63%
65%
Typical yearly property tax
$3,601 ▲58% above the county
$2,279
$4,232
$3,119
Effective property tax rate
1.9% ▲0.28 points above the county
1.62%
1.49%
0.94%
Renters with high rent for their income
47% ▼2 points below 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 Hidalgo 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 Edinburg
For a typical $189,600 home in Edinburg, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Edinburg's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,724a month
Least cash to close
Down payment
$6,636
Cash to close
$12,324
Rate
7.18%
Mortgage insurance
FHA MIP · $84
Conventional, 5% down$1,689a month
Down payment
$9,480
Cash to close
$15,168
Rate
7.18%
Mortgage insurance
PMI · $90
Conventional, 20% down, no PMI$1,407a month
Down payment
$37,920
Cash to close
$43,608
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,582a month
Down payment
$28,440
Cash to close
$34,128
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Edinburg
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,724
$6,636
$186,166
7.18%
FHA MIP · $84
$12,324
580
Conventional, 5% down
$1,689
$9,480
$180,120
7.18%
PMI · $90
$15,168
620*
Conventional, 20% down, no PMI
$1,407
$37,920
$151,680
7.18%
None
$43,608
620*
ITIN, 15% down (example)
$1,582
$28,440
$161,160
8.18%
None
$34,128
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 Edinburg is $996 a month: 4% above the county. In Edinburg, 47% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Hidalgo County, by unit size. To pay the 2-bedroom one ($1,017 a month) without spending more than 30% of your income, you would need to earn $19.56 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 Hidalgo County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$801
$15.40
$32,040
1 bedroom
$806
$15.50
$32,240
2 bedrooms
$1,017
$19.56
$40,680
3 bedrooms
$1,305
$25.10
$52,200
4 bedrooms
$1,439
$27.67
$57,560
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 Edinburg
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Edinburg has 3 ZIP codes with their own.
For 2 bedrooms it runs from $1,010 in 78541 to $1,120 in 78539.
1 of the 3 is above the fair market rent for Hidalgo County ($1,017).
2-bedroom fair market rent in each of the 3 ZIP codes of Edinburg, beside the one for Hidalgo County. For 2 bedrooms it runs from $1,010 in 78541 to $1,120 in 78539. 1 of the 3 is above the fair market rent for Hidalgo County ($1,017).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,017
Lowest: $1,010 (78541)Highest: $1,120 (78539)
Fair market rent by ZIP code and size in Edinburg, fiscal year 2027.
78539
$880
$890
$1,120
$1,440
$1,580
78541
$800
$800
$1,010
$1,310
$1,440
78542
$800
$800
$1,010
$1,310
$1,440
ZIP code2 bd3 bd
78539 $1,120$1,440
78541 $1,010$1,310
78542 $1,010$1,310
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Edinburg 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 22 buildings with rents for lower incomes in Edinburg. These are the largest.
Island Palms Apts302 S Doolittle Rd, Edinburg 78542250 low-income homes · 1 bd: 76 · 2 bd: 80 · 3 bd: 94 · In service since 1997
Lantana900 S Sugar Rd, Edinburg 78539150 low-income homes · Run by Edinburg Housing Authority · Average payment: $371 a month · Average wait: 11 months(956) 383-3839
La PalmillaSWQ of Alberta and Raul Longoria, Edinburg 78542140 homes, 126 low-income
StarlightSWQ of Alberta and Raul Longoria, Edinburg 78542141 homes, 119 low-income
Albores504 N 22nd Ave, Edinburg 78541119 low-income homes · Run by Edinburg Housing Authority · Average payment: $384 a month · Average wait: 9 months(956) 383-3839
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.
There is 1 HUD-approved agency with an office in Hidalgo County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Edinburg or Hidalgo County. The ones below are statewide in Texas: they work in Edinburg 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 Edinburg or Hidalgo 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 Edinburg and all of Hidalgo 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 Edinburg?
The typical home value in Edinburg is $189,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hidalgo County it is $140,900.
How much does it cost to rent in Edinburg?
Typical rent in Edinburg is $996 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hidalgo County is $1,017.
What is the FHA loan limit in Edinburg?
Edinburg uses the FHA limit for all of Hidalgo 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 Edinburg?
The typical homeowner in Edinburg pays $3,601 a year, according to the U.S. Census Bureau. That is 1.9% of the home’s value; in Hidalgo County, the rate is 1.62%.
Where can I find free help to buy or rent in Edinburg?
There is 1 HUD-approved counseling agency with an office in Hidalgo County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
