In El Campo, a typical home is worth $201,400 and typical rent is $1,071 a month. Compared with all of Wharton County, the typical home value is 6% higher and the share of households that own their home is 12 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $207,670 to $222,570.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
El Campo is in Wharton 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 Wharton County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Edna, the typical home value is $117,800: 42% less than in El Campo ($201,400).
2
60% of households in El Campo own their home, against 72% in Wharton County.
3
El Campo has the 32nd largest share of rent-burdened renters of the 356 cities in Texas with more than 5,000 people (65%).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in El Campo
What homes there are in El Campo, 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
El Campo
Wharton County
Texas
United States
Kind of home: El Campo and its comparisons
Measure
El Campo
Wharton County
Texas
United States
Detached house
77%
77%
64%
61%
Attached house
Unreliable estimate
Unreliable estimate
3%
6%
Building of 2 to 4
Unreliable estimate
4%
5%
8%
Apartments (5 or more)
Unreliable estimate
8%
21%
19%
Mobile home
Unreliable estimate
10%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in Wharton County, most homes in El Campo are detached houses (77%).
Year built
Before 19601960–19791980–19992000–20092010 or later
El Campo
Wharton County
Texas
United States
Year built: El Campo and its comparisons
Measure
El Campo
Wharton County
Texas
United States
Before 1960
35%
24%
12%
26%
1960–1979
20%
27%
21%
24%
1980–1999
28%
25%
28%
25%
2000–2009
8%
11%
18%
14%
2010 or later
10%
13%
21%
11%
The typical year built in El Campo is 1977, about the same as in Wharton County (1980).
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–$200K34%
$200K–$300K25%
$300K–$500K21%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: El Campo and its comparisons
Measure
El Campo
Under $100K
16%
$100K–$200K
34%
$200K–$300K
25%
$300K–$500K
21%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
With an FHA limit of $541,287, at least 96% of owner-occupied homes in El Campo sit below it: they are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99937%
$1,000–$1,49938%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: El Campo and its comparisons
Measure
El Campo
Under $500
Unreliable estimate
$500–$999
37%
$1,000–$1,499
38%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$2,076 a month
Wharton County: $1,840 a month
Without a mortgage
$605 a month
Wharton County: $617 a month
Owners with a mortgage
48%
Wharton County: 41%
The typical cost for an owner with a mortgage in El Campo is $2,076 a month, more than in Wharton County ($1,840); without one, $605.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
El Campo+38%
Wharton County+48%
Texas+65%
United States+53%
Typical rent
El Campo+38%
Wharton County+35%
Texas+34%
United States+33%
Typical household income
El Campo+36%
Wharton County+39%
Texas+27%
United States+29%
Change since 2015–2019: El Campo and its comparisons
Measure
El Campo
Wharton County
Texas
United States
Typical home value
+38%
+48%
+65%
+53%
Typical rent
+38%
+35%
+34%
+33%
Typical household income
+36%
+39%
+27%
+29%
From 2015–2019 to 2020–2024, the typical home value in El Campo rose 38%; in Wharton County, it rose 48%.
Much as in Wharton County, the typical rent in El Campo rose 38% since 2015–2019.
To compare: typical income in El Campo rose 36%; the home, +38%; the rent, +38%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: El Campo and its comparisons
Measure
El Campo
Wharton County
Texas
United States
Rental vacancy
Unreliable estimate
9.6%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
4.0%
4.8%
3.4%
People per household
2.77
2.58
2.69
2.53
Drive alone
78%
79%
71%
69%
Carpool
19%
13%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
3%
2%
3%
Work from home
Unreliable estimate
5%
14%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
More people live in each home here: 2.77 on average, against 2.58 in Wharton County.
In El Campo, 19% of workers share a car to get to work; in Wharton County, 13%.
Do the math
What would you pay each month for a home in El Campo?
A typical home is tight for the typical income
We start with a typical home in El Campo, worth $201,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in El Campo, which is $67,017 a year. For that payment to be 28% of income, a household would need to earn about $77,846 a year.
The calculator's FHA and conventional loan limits are those of all of Wharton 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 El Campo. 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 $7,049 (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
$1,816
at 7.18% · 30 years
Loan amount
$197,752
Total interest
$284,519
Paid off in
November 2056
Includes $3,401 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,564 a month
Tight
$1,564 to $2,011 a month
Your payment · 33%
Hard
more than $2,011 a month
Compared with the typical household income in El Campo ($67,017 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,340
Property tax
$304
Home insurance
$84
FHA mortgage insurance (MIP)
$89
You need at least $7,049 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 $1,816; principal and interest $1,340.
The city and its county
El Campo and Wharton County
El Campo is in Wharton 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).
El Campo
Map of Wharton County, Texas, with El Campo marked. Around it, the neighboring counties.
El Campo
Wharton County
Other cities with a page
El Campo's own numbers
Typical home value
$201,400
Typical monthly rent
$1,071
Typical yearly household income
$67,017
Households that own their home
60%
Effective property tax rate
1.81%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Wharton County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,184
Price change over 5 years (FHFA)
+40%
Homes in a high flood-risk zone
29%
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 Wharton County.
A typical home in El Campo is worth $201,400: 6% above the county and 29% below Texas. With the typical household income in El Campo ($67,017 a year), a typical home costs 3.0 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.
El Campo3.0 years
Wharton2.8 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Wharton County
According to FHFA’s house price index, home prices in Wharton County rose 73% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Wharton County.
Yearly change in FHFA’s price index in Wharton County, 2016 to 2025
2016: +6.0% +6.0% 2016
2017: +2.4% +2.4% 2017
2018: +7.3% +7.3% 2018
2019: +3.8% +3.8% 2019
2020: +2.4% +2.4% 2020
2021: +7.3% +7.3% 2021
2022: +12.0% +12.0% 2022
2023: +7.7% +7.7% 2023
2024: +3.4% +3.4% 2024
2025: +4.2% +4.2% 2025
Change in FHFA’s price index in Wharton County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+4.2%
+0.8%
+2.9%
5 years (2020–2025)
+40%
+44%
+47%
10 years (2015–2025)
+73%
+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
El Campo next to Wharton 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
El Campo$201,400
Wharton$189,900
Texas$283,800
United States$332,700
Typical monthly rent
El Campo$1,071
Wharton$1,046
Texas$1,403
United States$1,413
Typical yearly household income
El Campo$67,017
Wharton$66,924
Texas$78,476
United States$80,734
See the full table
El Campo next to Wharton County and Texas
Measure
El Campo
Wharton County
Texas
U.S.
Typical home value
$201,400 ▲6% above the county
$189,900
$283,800
$332,700
Typical monthly rent
$1,071 ▲2% above the county
$1,046
$1,403
$1,413
Typical yearly household income
$67,017
$66,924
$78,476
$80,734
Households that own their home
60% ▼12 points below the county
72%
63%
65%
Typical yearly property tax
$3,639 ▲26% above the county
$2,881
$4,232
$3,119
Effective property tax rate
1.81% ▲0.29 points above the county
1.52%
1.49%
0.94%
Renters with high rent for their income
65% ▲16 points above 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 Wharton 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 El Campo
For a typical $201,400 home in El Campo, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, El Campo's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,816a month
Least cash to close
Down payment
$7,049
Cash to close
$13,091
Rate
7.18%
Mortgage insurance
FHA MIP · $89
Conventional, 5% down$1,779a month
Down payment
$10,070
Cash to close
$16,112
Rate
7.18%
Mortgage insurance
PMI · $96
Conventional, 20% down, no PMI$1,479a month
Down payment
$40,280
Cash to close
$46,322
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,665a month
Down payment
$30,210
Cash to close
$36,252
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in El Campo
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,816
$7,049
$197,752
7.18%
FHA MIP · $89
$13,091
580
Conventional, 5% down
$1,779
$10,070
$191,330
7.18%
PMI · $96
$16,112
620*
Conventional, 20% down, no PMI
$1,479
$40,280
$161,120
7.18%
None
$46,322
620*
ITIN, 15% down (example)
$1,665
$30,210
$171,190
8.18%
None
$36,252
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 El Campo is $1,071 a month: 2% above the county. In El Campo, 65% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Wharton County, by unit size. To pay the 2-bedroom one ($1,184 a month) without spending more than 30% of your income, you would need to earn $22.77 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 Wharton County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$824
$15.85
$32,960
1 bedroom
$915
$17.60
$36,600
2 bedrooms
$1,184
$22.77
$47,360
3 bedrooms
$1,584
$30.46
$63,360
4 bedrooms
$1,590
$30.58
$63,600
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 El Campo
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). El Campo is in ZIP code 77437.
For 2 bedrooms it is $1,150: $34 less than the fair market rent for Wharton County ($1,184).
Fair market rent by ZIP code and size in El Campo, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
77437
$830
$890
$1,150
$1,540
$1,720
ZIP code2 bd3 bd
77437 $1,150$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 El Campo 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 4 buildings with rents for lower incomes in El Campo. These are the largest.
West Side Housing1502 Able St, El Campo 77437150 low-income homes · Run by Housing Authority of the City of El Campo · Average payment: $438 a month · Average wait: 14 months(979) 543-6991
El Campo Village1185 Olivia St, El Campo 7743780 low-income homes · 1 bd: 8 · 2 bd: 12 · 3 bd: 11 · 4 bd: 49 · In service since 2014
Prairie Village (el Campo)1915 N Wharton St, El Campo 7743738 homes, 37 low-income · In service since 2014 · For older adults(979) 543-1366
El Campo Retirement2805 W Loop St, El Campo 7743732 low-income homes · 1 bd: 26 · 2 bd: 6 · In service since 1992
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 Wharton 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 El Campo or Wharton County. The ones below are statewide in Texas: they work in El Campo 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 El Campo or Wharton 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 El Campo and all of Wharton 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 El Campo?
The typical home value in El Campo is $201,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Wharton County it is $189,900.
How much does it cost to rent in El Campo?
Typical rent in El Campo is $1,071 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Wharton County is $1,184.
What is the FHA loan limit in El Campo?
El Campo uses the FHA limit for all of Wharton 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 El Campo?
The typical homeowner in El Campo pays $3,639 a year, according to the U.S. Census Bureau. That is 1.81% of the home’s value; in Wharton County, the rate is 1.52%.
Where can I find free help to buy or rent in El Campo?
We found no HUD-approved counseling agencies with an office in Wharton County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
