In El Paso, a typical home is worth $184,500 and typical rent is $1,073 a month. Home values, rent and income are very close to those of all of El Paso County.
Typical home value from Zillow, September 2021 to September 2026: from $179,678 to $237,556.
Typical rent
$1,508a month
▲ 3.4% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,168 to $1,508.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
El Paso is in El Paso 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 El Paso County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Canutillo, the typical home value is $106,600: 42% less than in El Paso ($184,500).
2
Nearby, in Canutillo, the typical rent is $838: 22% less than in El Paso ($1,073).
3
According to Zillow, in the 12 months to September 2026 the typical home value in El Paso rose 2.6%; 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 El Paso
What homes there are in El Paso, 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 other
El Paso
El Paso County
Texas
United States
Kind of home: El Paso and its comparisons
Measure
El Paso
El Paso County
Texas
United States
Detached house
67%
68%
64%
61%
Attached house
3%
4%
3%
6%
Building of 2 to 4
8%
7%
5%
8%
Apartments (5 or more)
19%
16%
21%
19%
Mobile home
3%
5%
6%
6%
Boat, RV and other
0%
0%
0%
0%
The detached house is the most common home in El Paso: 67% of homes, near the figure in El Paso County (68%).
Year built
Before 19601960–19791980–19992000–20092010 or later
El Paso
El Paso County
Texas
United States
Year built: El Paso and its comparisons
Measure
El Paso
El Paso County
Texas
United States
Before 1960
19%
16%
12%
26%
1960–1979
26%
23%
21%
24%
1980–1999
26%
27%
28%
25%
2000–2009
14%
15%
18%
14%
2010 or later
16%
19%
21%
11%
In El Paso, half of the homes were built before 1984; in El Paso County, before 1988.
In El Paso, 67% of homes have 3 bedrooms or more, about the same as in El Paso County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K13%
$100K–$200K43%
$200K–$300K27%
$300K–$500K13%
$500K–$750K3%
FHA limit: $541,287
$750K–$1M1%
$1M or more1%
Value of owner-occupied homes: El Paso and its comparisons
Measure
El Paso
Under $100K
13%
$100K–$200K
43%
$200K–$300K
27%
$300K–$500K
13%
$500K–$750K
3%
$750K–$1M
1%
$1M or more
1%
By price, most homes in El Paso sit under the FHA limit for El Paso County ($541,287): about 96%.
Monthly rent with utilities
Under the limitOver the limit
Under $5009%
$500–$99934%
$1,000–$1,49938%
HUD fair market rent, 2 bedrooms: $1,146
$1,500–$1,99914%
$2,000–$2,4993%
$2,500–$2,9991%
$3,000 or more1%
Monthly rent with utilities: El Paso and its comparisons
Measure
El Paso
Under $500
9%
$500–$999
34%
$1,000–$1,499
38%
$1,500–$1,999
14%
$2,000–$2,499
3%
$2,500–$2,999
1%
$3,000 or more
1%
About 54% of rented homes in El Paso cost less than HUD's 2-bedroom fair market rent for El Paso County ($1,146); the rest cost more.
With a mortgage
$1,604 a month
El Paso County: $1,601 a month
Without a mortgage
$573 a month
El Paso County: $553 a month
Owners with a mortgage
54%
El Paso County: 53%
Owning costs about the same in El Paso as in El Paso County: with a mortgage, $1,604 a month; without one, $573.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
El Paso+45%
El Paso County+49%
Texas+65%
United States+53%
Typical rent
El Paso+28%
El Paso County+29%
Texas+34%
United States+33%
Typical household income
El Paso+26%
El Paso County+28%
Texas+27%
United States+29%
Change since 2015–2019: El Paso and its comparisons
Measure
El Paso
El Paso County
Texas
United States
Typical home value
+45%
+49%
+65%
+53%
Typical rent
+28%
+29%
+34%
+33%
Typical household income
+26%
+28%
+27%
+29%
The typical home value in El Paso rose 45% since 2015–2019, less than in El Paso County (49%).
Rents in El Paso rose at about the same pace as in El Paso County: 28% since 2015–2019, against 29%.
While home values in El Paso changed +45% and rent +28%, the typical household income rose 26%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: El Paso and its comparisons
Measure
El Paso
El Paso County
Texas
United States
Rental vacancy
6.6%
6.4%
7.7%
5.5%
Homeowner vacancy
0.9%
1.1%
1.1%
0.9%
More than one person per room
4.9%
5.3%
4.8%
3.4%
People per household
2.74
2.86
2.69
2.53
Drive alone
75%
75%
71%
69%
Carpool
12%
12%
10%
9%
Public transit
1%
1%
1%
3%
Walk or bike
1%
2%
2%
3%
Work from home
9%
9%
14%
15%
Other means
2%
2%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Much as in El Paso County, the rental vacancy rate in El Paso is 6.6%.
More than one person per room: that is how 4.9% of households in El Paso live, near the figure in El Paso County (5.3%).
A household in El Paso has 2.74 people on average, about the same as in El Paso County (2.86).
In El Paso, 75% of workers drive alone to work; in El Paso County, 75%.
Do the math
What would you pay each month for a home in El Paso?
A typical home is tight for the typical income
We start with a typical home in El Paso, worth $184,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in El Paso, which is $59,745 a year. For that payment to be 28% of income, a household would need to earn about $72,830 a year.
The calculator's FHA and conventional loan limits are those of all of El Paso 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 Paso. 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 $6,458 (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
$1,699
at 7.18% · 30 years
Loan amount
$181,158
Total interest
$260,643
Paid off in
November 2056
Includes $3,116 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,394 a month
Tight
$1,394 to $1,792 a month
Your payment · 34%
Hard
more than $1,792 a month
Compared with the typical household income in El Paso ($59,745 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,227
Property tax
$314
Home insurance
$77
FHA mortgage insurance (MIP)
$82
You need at least $6,458 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 $1,699; principal and interest $1,227.
The city and its county
El Paso and El Paso County
El Paso is in El Paso 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 Paso
Map of El Paso County, Texas, with El Paso marked. Around it, the neighboring counties.
El Paso
El Paso County
Other cities with a page
El Paso's own numbers
Typical home value
$184,500
Typical monthly rent
$1,073
Typical yearly household income
$59,745
Households that own their home
61%
Effective property tax rate
2.04%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of El Paso County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,146
Price change over 5 years (FHFA)
+57%
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 El Paso County.
A typical home in El Paso is worth $184,500: 2% above the county and 35% below Texas. With the typical household income in El Paso ($59,745 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.
El Paso3.1 years
County3.0 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in El Paso County
According to FHFA’s house price index, home prices in El Paso County rose 81% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of El Paso County.
Yearly change in FHFA’s price index in El Paso County, 2016 to 2025
2016: +1.2% +1.2% 2016
2017: +3.0% +3.0% 2017
2018: +2.7% +2.7% 2018
2019: +3.9% +3.9% 2019
2020: +4.2% +4.2% 2020
2021: +11.2% +11.2% 2021
2022: +17.1% +17.1% 2022
2023: +11.0% +11.0% 2023
2024: +5.3% +5.3% 2024
2025: +2.9% +2.9% 2025
Change in FHFA’s price index in El Paso County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+2.9%
+0.8%
+2.9%
5 years (2020–2025)
+57%
+44%
+47%
10 years (2015–2025)
+81%
+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 Paso next to El Paso 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 Paso$184,500
County$180,400
Texas$283,800
United States$332,700
Typical monthly rent
El Paso$1,073
County$1,079
Texas$1,403
United States$1,413
Typical yearly household income
El Paso$59,745
County$59,806
Texas$78,476
United States$80,734
See the full table
El Paso next to El Paso County and Texas
Measure
El Paso
El Paso County
Texas
U.S.
Typical home value
$184,500 ▲2% above the county
$180,400
$283,800
$332,700
Typical monthly rent
$1,073
$1,079
$1,403
$1,413
Typical yearly household income
$59,745
$59,806
$78,476
$80,734
Households that own their home
61% ▼3 points below the county
64%
63%
65%
Typical yearly property tax
$3,760 ▲3% above the county
$3,660
$4,232
$3,119
Effective property tax rate
2.04% ▲0.01 points above the county
2.03%
1.49%
0.94%
Renters with high rent for their income
53%
54%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below El Paso 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 Paso
For a typical $184,500 home in El Paso, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, El Paso's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,699a month
Least cash to close
Down payment
$6,458
Cash to close
$11,993
Rate
7.18%
Mortgage insurance
FHA MIP · $82
Conventional, 5% down$1,666a month
Down payment
$9,225
Cash to close
$14,760
Rate
7.18%
Mortgage insurance
PMI · $88
Conventional, 20% down, no PMI$1,390a month
Down payment
$36,900
Cash to close
$42,435
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,561a month
Down payment
$27,675
Cash to close
$33,210
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in El Paso
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,699
$6,458
$181,158
7.18%
FHA MIP · $82
$11,993
580
Conventional, 5% down
$1,666
$9,225
$175,275
7.18%
PMI · $88
$14,760
620*
Conventional, 20% down, no PMI
$1,390
$36,900
$147,600
7.18%
None
$42,435
620*
ITIN, 15% down (example)
$1,561
$27,675
$156,825
8.18%
None
$33,210
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 Paso is $1,073 a month: about the same as the county. In El Paso, 53% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of El Paso County, by unit size. To pay the 2-bedroom one ($1,146 a month) without spending more than 30% of your income, you would need to earn $22.04 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 El Paso County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$798
$15.35
$31,920
1 bedroom
$969
$18.63
$38,760
2 bedrooms
$1,146
$22.04
$45,840
3 bedrooms
$1,559
$29.98
$62,360
4 bedrooms
$1,915
$36.83
$76,600
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 Paso
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). El Paso has 18 ZIP codes with their own.
For 2 bedrooms it runs from $1,080 in 79901 to $1,550 in 79911.
7 of the 18 are above the fair market rent for El Paso County ($1,146).
2-bedroom fair market rent in each of the 18 ZIP codes of El Paso, beside the one for El Paso County. For 2 bedrooms it runs from $1,080 in 79901 to $1,550 in 79911. 7 of the 18 are above the fair market rent for El Paso County ($1,146).
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: $1,146
Lowest: $1,080 (79901)Highest: $1,550 (79911)
Fair market rent by ZIP code and size in El Paso, fiscal year 2027.
79901
$740
$920
$1,080
$1,470
$1,800
79902
$740
$920
$1,080
$1,470
$1,800
79903
$740
$920
$1,080
$1,470
$1,800
79904
$760
$920
$1,090
$1,480
$1,820
79905
$740
$920
$1,080
$1,470
$1,800
79907
$740
$920
$1,080
$1,470
$1,800
79911
$1,080
$1,310
$1,550
$2,110
$2,590
79912
$960
$1,170
$1,380
$1,880
$2,310
79915
$740
$920
$1,080
$1,470
$1,800
79920
$740
$920
$1,080
$1,470
$1,800
79922
$970
$1,190
$1,400
$1,920
$2,340
79924
$810
$980
$1,160
$1,580
$1,940
79925
$780
$950
$1,120
$1,520
$1,870
79930
$740
$920
$1,080
$1,470
$1,800
79932
$790
$960
$1,140
$1,550
$1,910
79934
$1,040
$1,260
$1,490
$2,030
$2,490
79935
$840
$1,010
$1,200
$1,630
$2,010
79936
$950
$1,150
$1,360
$1,850
$2,270
ZIP code2 bd3 bd
79901 $1,080$1,470
79902 $1,080$1,470
79903 $1,080$1,470
79904 $1,090$1,480
79905 $1,080$1,470
79907 $1,080$1,470
79911 $1,550$2,110
79912 $1,380$1,880
79915 $1,080$1,470
79920 $1,080$1,470
79922 $1,400$1,920
79924 $1,160$1,580
79925 $1,120$1,520
79930 $1,080$1,470
79932 $1,140$1,550
79934 $1,490$2,030
79935 $1,200$1,630
79936 $1,360$1,850
4 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for El Paso 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 166 buildings with rents for lower incomes in El Paso. These are the largest.
John Cramer Memorial Apartments184 Barker Rd, El Paso 79915426 low-income homes · For older adults, people with disabilities, families, people experiencing homelessness(915) 856-5837
Kennedy Communities400 S Zaragoza Rd, El Paso 79907364 low-income homes · For families(915) 504-5620
Sun Plaza1221 E San Antonio Ave, El Paso 79901352 homes, 330 low-income · Studio: 128 · 1 bd: 201 · 3 bd: 1 · For older adults, people with disabilities, families, people experiencing homelessness(915) 856-5848
Chelsea Plaza Apartments600 Chelsea St, El Paso 79903330 low-income homes · Studio: 198 · 1 bd: 131 · 2 bd: 1 · For older adults, people with disabilities, families, people experiencing homelessness(915) 772-5182
Rafael Marmolejo, JR. Apartments600 N Carolina Dr, El Paso 79915292 low-income homes · For families(915) 856-5829
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 are 3 HUD-approved agencies with an office in El Paso County; 3 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for El Paso or El Paso County. The ones below are statewide in Texas: they work in El Paso 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 Paso or El Paso 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 Paso and all of El Paso 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 Paso?
The typical home value in El Paso is $184,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in El Paso County it is $180,400.
How much does it cost to rent in El Paso?
Typical rent in El Paso is $1,073 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in El Paso County is $1,146.
What is the FHA loan limit in El Paso?
El Paso uses the FHA limit for all of El Paso 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 Paso?
The typical homeowner in El Paso pays $3,760 a year, according to the U.S. Census Bureau. That is 2.04% of the home’s value; in El Paso County, the rate is 2.03%.
Where can I find free help to buy or rent in El Paso?
There are 3 HUD-approved counseling agencies with an office in El Paso County. 3 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
