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County in Texas

Edwards County, Texas

Edwards County is a county in Texas with 1,290 residents, No. 242 of 254 by population. In Edwards County, the FHA loan limit for a one-unit home is $541,287. To rent a 2-bedroom apartment at Fair Market Rent ($1,078 a month) without going over 30% of your income, you need to earn about $20.73 an hour.

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  • Typical home price

    Data not available for this county

    The Census Bureau doesn't publish this figure for small places, to protect privacy.

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

  • Fair market rent, 2 bedrooms

    $1,078 a month

    −28% vs. Texas −38% vs. U.S.

    HUD's reference rent for a two-bedroom apartment, with basic utilities.

    • Edwards
    • Texas
    • United States

    Source: HUD, Fiscal year 2027

  • FHA limit 2026, 1 unit

    $541,287

    FHA national floor limit

    The most you can borrow with an FHA loan for a one-unit home here.

    • Edwards
    • Floor
    • Ceiling

    Source: HUD, 2026 data

  • Property tax

    Data not available for this county

    The official source doesn't publish this figure for this place.

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

Data from October 2026

In short

What is housing like in Edwards County today?

88% of households own their home, more than in Texas (63%).

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

Only here

What sets Edwards County apart

  1. Edwards County has the 3rd highest homeownership rate of the 251 counties in Texas with this figure (88%).

  2. 31% of households in Edwards County have no internet at home, against 6% in Texas.

  3. Edwards County has the lowest typical rent in its area: $713, less than any of its 5 neighboring counties; next is Sutton County ($772).

  4. Edwards County has the 23rd lowest typical rent of the 240 counties in Texas with this figure ($713).

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

The homes here

Housing in Edwards County

What homes there are in Edwards County, 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, standing on their own, make up 75% of homes here, against 64% in Texas.

Mobile homes are 24% of homes in Edwards County, more than in Texas (6%).

Year built

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

With a mortgage

$764 a month

Texas: $2,106 a month

Without a mortgage

$431 a month

Texas: $678 a month

Owning costs less in Edwards County: with a mortgage, the typical cost is $764 a month; in Texas, $2,106. Without one, $431.

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

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

MeasureEdwards CountyTexasUnited States
Rental vacancy Unreliable estimate7.7%5.5%
Homeowner vacancy Unreliable estimate1.1%0.9%
More than one person per room Unreliable estimate4.8%3.4%
People per household 3.092.692.53
Drive alone 72%71%69%
Carpool Unreliable estimate10%9%
Public transit Unreliable estimate1%3%
Walk or bike Unreliable estimate2%3%
Work from home Unreliable estimate14%15%
Other means Unreliable estimate2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes

On average, a household in Edwards County has 3.09 people, more than in Texas (2.69).

To get to work, 72% of workers in Edwards County drive alone; in Texas, 71%.

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 in Edwards County?

This county has no typical home value or no typical household income, so we can't measure how heavy the payment is. Put your own numbers in the calculator.

Your numbers

Texas data
$

Starts at the typical home value in Texas. 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 $9,933 (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

$2,132

at 7.18% · 30 years

Loan amount
$278,660
Total interest
$400,926
Paid off in
November 2056

Includes $4,793 FHA upfront mortgage insurance premium.

Does it fit the income?

Type your income to see which tier this payment lands in.

Show the result as
per month$2,132
Principal & interest$1,888
Property tax$0
Home insurance$118
FHA mortgage insurance (MIP)$126

You need at least $9,933 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.

Buying a home

Buying a home in Edwards County

Here you'll see how prices have changed, how Edwards County compares with Texas and the country, and what you'd pay each month with four kinds of loans.

How have home prices changed?

FHFA does not publish an annual price index in Edwards County. This usually happens when there are too few sales to measure. According to the FHFA House Price Index, home prices in Texas rose 88% in the 10 years through 2025.

Edwards County compared with Texas and the United States

Home value, rent and household income, side by side. "Typical" is the median: half are above it and half below.

Typical rent a month
  • Edwards $713
  • Texas $1,403
  • United States $1,413
See the full table
Edwards compared with Texas and the United States
MeasureHereTexasU.S.
Residents1,29030,188,424334,922,499
Typical rent$713$1,403$1,413
Fair Market Rent (2 bedrooms)$1,078$1,488$1,750
Hourly wage to rent a 2-bedroom$20.73$28.62$33.65
Households that own their home88%63%65%
FHA limit (1 unit)*$541,287$541,287$541,287

FHA limit: Texas shows the median of its counties; the United States, the national floor. Download CSV

Four ways to pay for a typical home in Edwards County

Data not available for this county. The official source doesn't publish this figure for this place.

How much house can I afford? Closing costs

Loan limits

FHA loans in Edwards County use the national floor limit: it isn't a high-cost area. If the loan you need is above these amounts, it doesn't fit FHA or it becomes a "jumbo" loan.

VA loans. If you have full VA entitlement, VA doesn't cap the loan amount. If you've used part of your entitlement, the calculation uses the county limit ($832,750 for one unit). VA loan limits (va.gov)

USDA loans. They're for homes in eligible rural areas and households with incomes within USDA's limit. Check whether the address and your income qualify on the official site. USDA eligibility (usda.gov)

Home type FHA limit Conforming limit
1 unit $541,287 $832,750
2 units $693,050 $1,066,250
3 units $837,700 $1,288,800
4 units $1,041,125 $1,601,750

Source: HUD, 2026 data · Source: FHFA, 2026 data

Taxes and risks

Property tax and flooding in Edwards County

Two costs that change a lot from place to place and that a house payment does include: property tax and, in risk zones, flood insurance.

Property tax

Data not available for this county. The official source doesn't publish this figure for this place.

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

Exemptions and deadlines in Texas

Is there a flood risk?

FEMA’s maps count no homes in high-risk flood zones in Edwards County. That does not mean there is no risk: some areas have no map. Check your address.

  • A high-risk zone (Special Flood Hazard Area) has a 1% or greater chance of flooding each year. (44 CFR 59.1)
  • If the home is in that zone and the loan comes from a regulated lender, federal law requires flood insurance for the life of the loan, in communities that take part in the NFIP. (42 U.S.C. 4012a)
  • Most homeowners insurance does not cover flood damage. (FEMA, FloodSmart)

Source: FEMA, As of August 3, 2026

Look up your address on FEMA’s map

Owning a home here

Owning a home in Edwards County

The natural hazards FEMA measures in Edwards County, a maintenance plan for your climate and what the trades earn in your area.

Risks to your home

FEMA, National Risk Index 1.20.0 (December 2025)

FEMA rates the natural hazard risk in Edwards County as very low.

To rate it, FEMA weighs the expected loss with social vulnerability and community resilience.

In all, FEMA estimates natural hazards cause about $2 million in losses a year in Edwards County, across buildings, people and crops.

The hazard that would do the most damage to homes and buildings here is inland flooding: about $944,008 a year.

Loss FEMA expects each year to homes and buildings, by hazard
  1. Inland floodingVery low $944,008 a year
  2. WildfireRelatively low $155,331 a year
  3. TornadoVery low $54,438 a year
  4. HurricaneVery low $25,820 a year
  5. Winter weatherVery low $6,442 a year

What it means for your home

The ratings are FEMA's own. FEMA says its data is meant for planning and does not replace a local study. Drought is not shown: FEMA counts its loss in crops only.

National Risk Index, version 1.20.0 (December 2025), retrieved November 6, 2026

FEMA notice: This product uses the Federal Emergency Management Agency's National Risk Index dataset API or downloadable datasets but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).

Climate and upkeep

Department of Energy (PNNL), 2021 IECC zones

Edwards County is climate zone 2B in the home energy code (IECC): hot and dry.

The zone's number says how hot or cold it gets; the letter says how humid: A is moist, B is dry and C is marine.

  • Spring

    • Book the air conditioner's check-up before the heat: ENERGY STAR advises checking the cooling system in the spring, because contractors get busy once summer comes. ENERGY STAR (EPA)
    • Seal the air ducts that run through the attic, crawlspace, basement or garage with duct mastic or foil tape, then wrap them in insulation. ENERGY STAR (EPA)

  • Summer

    • Before extreme heat: cover windows with drapes or shades, weather-strip doors and windows, and insulate around window air conditioners. Ready.gov (FEMA)
    • Keep the air conditioner's drip pan clean and its drain line flowing: a plugged drain can cause water damage in the house. ENERGY STAR (EPA)

  • Fall

    • Book the heating check-up in the fall. If it runs on gas or oil, the technician should check the connections: faulty ones are a fire hazard. ENERGY STAR (EPA)
    • Clean and repair the roof gutters. EPA

  • Winter

    • Look for drafts at windows and doors: close the window on a piece of paper; if it moves back and forth easily, it needs thicker weather stripping. ENERGY STAR (EPA)
    • Check that the ground slopes away from the house, so water does not collect around the foundation. EPA

All year

  • Check the air filter every month, especially in heavy-use months. If it looks dirty, change it; change it at least every 3 months. ENERGY STAR (EPA)
  • Test the smoke alarms every month and replace their batteries at least once a year. USFA (FEMA)

Each task comes from the official page beside it. The spring air-conditioning and fall heating check-ups are the timing ENERGY STAR advises; the rest is a suggested order.

Climate zones by county, 2021 IECC

What the trades charge here

BLS, wages for May 2025

TradeTypical hourly wage8 in 10 earn between
Electricians$30.64$21.90 and $39.02
Plumbers, pipefitters and steamfitters$26.83$17.76 and $40.48
Heating, air conditioning and refrigeration mechanics$24.49$17.91 and $34.34
Painters, construction and maintenance$29.61$17.49 and $34.56
Maintenance and repair workers, general$20.50$13.43 and $38.86

An electrician earns about $30.64 an hour in the Border Region of Texas nonmetropolitan area, and a plumber, about $26.83.

These are workers' hourly wages, not the price of a job.

BLS publishes no wages for roofers and carpenters in this area.

Need help paying for a repair?

Renting

Renting in Edwards County

The typical rent in Edwards County is $713 a month. HUD also publishes a “fair market rent” by unit size: it's the one programs like Section 8 use.

Fair market rent by size

To pay the fair market rent without spending more than 30% of income, working full time (40 hours a week).

Size Fair rent a month Hourly wage Income needed per year
Studio $819 $15.75 $32,760
1 bedroom $858 $16.50 $34,320
2 bedrooms $1,078 $20.73 $43,120
3 bedrooms $1,393 $26.79 $55,720
4 bedrooms $1,553 $29.87 $62,120

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

Free help in Edwards County

Programs and counseling in Edwards County

We didn't find counseling agencies near this county.

Official programs for the down payment and loans for buyers. Check which ones you might qualify for with your income and your county.

A row of small wooden houses with porches in front of the downtown Houston, Texas, skyline.

HUD counseling is free or low-cost

Texas down payment programs

  1. My First Texas Home

    Texas state program for first-time buyers: a 30-year mortgage with down payment assistance

    First-time buyers only. Run by Texas Department of Housing and Community Affairs (TDHCA).

    DeferredForgivable Verified November 5, 2026

  2. My Choice Texas Home

    Texas state program with down payment assistance for any buyer, not only first-time buyers

    No first-time requirement. Run by Texas Department of Housing and Community Affairs (TDHCA).

    DeferredForgivable Verified November 5, 2026

  3. Texas Mortgage Credit Certificate (MCC)

    Limited funds remain, per the source

    Texas state certificate that turns part of your mortgage interest into a credit on your federal tax return

    First-time buyers only. Run by Texas Department of Housing and Community Affairs (TDHCA).

    Tax credit Verified November 5, 2026

Which programs do I qualify for? See all Texas programs

Help in Spanish in Edwards County

None of the 0 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.

Public housing agencies

HUD lists no public housing authority based in Edwards County. The authority of a nearby county or the state may serve this area.

Free legal help

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.

Find legal aid (lsc.gov)

Housing counseling nearby

We didn't find counseling agencies near this county.

Places

Cities in Edwards County

This site has no city pages of Edwards County. The neighboring counties are below.

Nearby counties

Each row compares its typical value, typical rent and FHA limit with Edwards County.

Read next

Guides that help here

We picked them by this county's numbers: what weighs most here is what's worth understanding first.

Frequently asked questions

What is the FHA loan limit in Edwards County in 2026?

Edwards County has an FHA limit of $541,287 for a one-unit home. For 2 units it's $693,050, for 3 it's $837,700 and for 4 it's $1,041,125. It's the national floor limit.

What is the conforming loan limit in Edwards County?

Edwards County has a conforming limit of $832,750 for one-unit conventional loans in 2026. A bigger loan is a “jumbo” loan.

How much does it cost to rent in Edwards County?

Edwards County has a typical rent of $713 a month (Average 2020–2024, U.S. Census). HUD's fair market rent for a 2-bedroom apartment is $1,078 (Fiscal year 2027).

How much do you need to earn to rent a 2-bedroom apartment in Edwards County?

About $20.73 an hour working full time (2,080 hours a year), or $43,120 a year, so the fair market rent of $1,078 stays under 30% of income.

What is the income limit for housing assistance in Edwards County?

For a family of 4, HUD sets $66,950 a year as “low income” (80% of area income) and $41,850 as “very low income” (50%). The area median income is $53,300 (Fiscal year 2026). Each program uses its own limits.

Sources: American Community Survey (Average 2020–2024); FHA mortgage limits (2026 data); Conforming loan limits (2026 data); Fair Market Rents (Fiscal year 2027); Income Limits (Fiscal year 2026); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (As of November 5, 2026); FHFA House Price Index (2025 data); Homes with flood insurance (As of August 3, 2026); National Risk Index (2025 data); IECC climate zones by county (2021 data); Occupational Employment and Wage Statistics (2025 data); Census Bureau cartographic boundary files (2024 data).