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City · 22,588 residents · Ellis County, Texas

Ennis , Texas

In Ennis, a typical home is worth $260,100 and typical rent is $1,362 a month. Compared with all of Ellis County, the typical home value is 25% lower, typical household income is 25% lower, and the share of households that own their home is 13 points lower.

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  • Typical home value

    $260,100

    25% below the county

    8% below Texas

    • Ennis
    • Ellis
    • Texas

  • Typical rent

    $1,362a month

    15% below the county

    3% below Texas

    • Ennis
    • Ellis
    • Texas

  • Typical household income

    $75,074a year

    25% below the county

    4% below Texas

    • Ennis
    • Ellis
    • Texas

  • Households that own their home

    63%

    13 points below the county

    1 points above Texas

    • Ennis
    • Ellis
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$260,853
1.7% less than 12 months ago
Typical rent
$1,709 a month
2% less than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Ennis is in Ellis County. The FHA loan limit ($563,500 for a one-unit home), the fair market rents and the help on this page are those of all of Ellis County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Ennis apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Corsicana, the typical home value is $168,900: 35% less than in Ennis ($260,100).

  2. The typical home in Ennis is worth $260,100, 25% less than in Ellis County as a whole ($348,600).

  3. Nearby, in Corsicana, the typical rent is $1,093: 20% less than in Ennis ($1,362).

  4. The typical household income in Ennis is $75,074, 25% less than in Ellis County as a whole ($99,595).

  5. 63% of households in Ennis own their home, against 76% in Ellis County.

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

The homes here

Housing in Ennis

What homes there are in Ennis, 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 are the majority in Ennis (75%), but less so than in Ellis County (78%).

Year built

In Ennis, half of the homes were built before 1990; in Ellis County, before 2002.

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

With an FHA limit of $563,500, at least 95% of owner-occupied homes in Ennis sit below it: they are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,991 a month

Ellis County: $2,258 a month

Without a mortgage

$670 a month

Ellis County: $789 a month

Owners with a mortgage

58%

Ellis County: 63%

Owning costs less in Ennis: with a mortgage, the typical cost is $1,991 a month; in Ellis County, $2,258. Without one, $670.

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

From 2015–2019 to 2020–2024, the typical home value in Ennis rose 134%; in Ellis County, it rose 82%.

Much as in Ellis County, the typical rent in Ennis rose 49% since 2015–2019.

Housing prices ran ahead of income in Ennis: typical income rose 30%, against +134% for home values and +49% for rent.

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

MeasureEnnisEllis CountyTexasUnited States
Rental vacancy Unreliable estimate3.8%7.7%5.5%
Homeowner vacancy Unreliable estimate0.8%1.1%0.9%
More than one person per room Unreliable estimate3.6%4.8%3.4%
People per household 2.802.942.692.53
Drive alone 77%77%71%69%
Carpool 13%9%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 9%12%14%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

A household in Ennis has 2.80 people on average, about the same as in Ellis County (2.94).

In Ennis, 13% of workers share a car to get to work; in Ellis County, 9%.

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 for a home in Ennis?

A typical home costs more than the typical income allows

We start with a typical home in Ennis, worth $260,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in Ennis, which is $75,074 a year. For that payment to be 28% of income, a household would need to earn about $98,213 a year.

The calculator's FHA and conventional loan limits are those of all of Ellis County.

Your numbers

Local data
$

Starts at the typical home value in Ennis. 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 $9,104 (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

$2,292

at 7.18% · 30 years

Loan amount
$255,388
Total interest
$367,444
Paid off in
November 2056

Includes $4,392 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,752 a month

  • Tight

    $1,752 to $2,252 a month

  • Hard

    more than $2,252 a month

    Your payment · 37%

Compared with the typical household income in Ennis ($75,074 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,292
Principal & interest$1,730
Property tax$338
Home insurance$108
FHA mortgage insurance (MIP)$115

You need at least $9,104 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.

The city and its county

Ennis and Ellis County

Ennis is in Ellis 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).

Ennis's own numbers

Typical home value
$260,100
Typical monthly rent
$1,362
Typical yearly household income
$75,074
Households that own their home
63%
Effective property tax rate
1.56%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Ellis County

FHA limit, one-unit home
$563,500
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,807
Price change over 5 years (FHFA)
+50%
Homes in a high flood-risk zone
1.5%

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 Ellis County.

Everything about Ellis County

Buying

Buying a home in Ennis

A typical home in Ennis is worth $260,100: 25% below the county and 8% below Texas. With the typical household income in Ennis ($75,074 a year), a typical home costs 3.5 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.

  • Ennis 3.5 years
  • Ellis 3.5 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Ellis County

According to FHFA’s house price index, home prices in Ellis County rose 113% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Ellis County.

Period County Texas U.S.
Last year (2025) −0.3% +0.8% +2.9%
5 years (2020–2025) +50% +44% +47%
10 years (2015–2025) +113% +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

Ennis next to Ellis 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
  • Ennis $260,100
  • Ellis $348,600
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Ennis $1,362
  • Ellis $1,594
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Ennis $75,074
  • Ellis $99,595
  • Texas $78,476
  • United States $80,734
See the full table
Ennis next to Ellis County and Texas
Measure Ennis Ellis County Texas U.S.
Typical home value $260,100 $348,600 $283,800 $332,700
Typical monthly rent $1,362 $1,594 $1,403 $1,413
Typical yearly household income $75,074 $99,595 $78,476 $80,734
Households that own their home 63% 76% 63% 65%
Typical yearly property tax $4,061 $4,697 $4,232 $3,119
Effective property tax rate 1.56% 1.35% 1.49% 0.94%
Renters with high rent for their income 48% 51% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Ellis 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 Ennis

For a typical $260,100 home in Ennis, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ennis's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,292a month

    Least cash to close
    Down payment
    $9,104
    Cash to close
    $16,907
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $115

  • Conventional, 5% down $2,244a month

    Down payment
    $13,005
    Cash to close
    $20,808
    Rate
    7.18%
    Mortgage insurance
    PMI · $124

  • Conventional, 20% down, no PMI $1,856a month

    Down payment
    $52,020
    Cash to close
    $59,823
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,097a month

    Down payment
    $39,015
    Cash to close
    $46,818
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Ennis and for Ellis County.

Property tax

Effective rate in Ennis

1.56%of the home’s value each year

$4,061 a year for the typical owner in Ennis.

  • Ennis 1.56%
  • Ellis 1.35%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in Ellis County

FEMA does not publish these numbers by city: they are for all of Ellis County.

Homes in the high-risk zone
1.5%
881
Of those, with NFIP insurance
29%
County Texas U.S.
Homes in the high-risk zone 1.5% 4.1% 3.5%
Of those, with NFIP insurance 29% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Ennis

Typical rent in Ennis is $1,362 a month: 15% below the county. In Ennis, 48% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Ellis County, by unit size. To pay the 2-bedroom one ($1,807 a month) without spending more than 30% of your income, you would need to earn $34.75 an hour working full time.

HUD fair market rent for all of Ellis County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,491 $28.67 $59,640
1 bedroom $1,536 $29.54 $61,440
2 bedrooms $1,807 $34.75 $72,280
3 bedrooms $2,275 $43.75 $91,000
4 bedrooms $2,892 $55.62 $115,680

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 Ennis

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ennis is in ZIP code 75119.

For 2 bedrooms it is $1,460: $347 less than the fair market rent for Ellis County ($1,807).

  • 75119 $1,460$1,840

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Ennis 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Ennis

HUD lists 9 buildings with rents for lower incomes in Ennis. These are the largest.

  • Ennis Village 200 Arnold St, Ennis 75119 90 homes, 89 low-income · Run by Housing Authority of Ennis · Average payment: $468 a month · Average wait: 18 months (972) 878-7451
  • Creekside Terrace Apts 1000 E Burnett St, Ennis 75119 80 low-income homes · 1 bd: 14 · 2 bd: 40 · 3 bd: 22 · 4 bd: 4 · In service since 1998
  • Breckenridge Village 2001A Floyd St, Ennis 75119 66 low-income homes · 4 bd: 66 · In service since 1997
  • Ennis Trails Seq Dolfie Lane and Sonoma Trails, Ennis 75119 72 homes, 48 low-income · For older adults, people with disabilities, families, people experiencing homelessness
  • Lakeridge Villas 2402 W Ennis Ave, Ennis 75119 48 homes, 40 low-income · For older adults, people with disabilities, families, people experiencing homelessness

See all 24 buildings in Ellis County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Ennis

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 Ellis County. The nearest ones are below; many serve by phone or online.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Ennis

No down payment, repair or rent-help program on our list is for Ennis or Ellis County. The ones below are statewide in Texas: they work in Ennis the same as in the rest of the state.

Which programs do I qualify for? All programs in Texas

  • My First Texas Home

    Statewide in Texas

    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).

    DeferredForgivable

    See the program Official page

  • My Choice Texas Home

    Statewide in Texas

    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).

    DeferredForgivable

    See the program Official page

  • Texas Mortgage Credit Certificate (MCC)

    Statewide in Texas

    Limited funds remain, per the source

    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).

    Tax credit

    See the program Official page

Housing counselors near Ennis

The HUD-approved agencies closest to the center of Ennis, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • NSC (naca Counseling Subsidiary) - Dallas, TX

    5787 S Hampton Rd Ste 115, Dallas · 28 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (972) 283-1171

  • Operation Hope - Dallas Texas

    1150 W Kiest Blvd, Dallas · 29 miles away · Spanish

    • Mortgage delinquency workshops
    • Budget and financial counseling
    • and 3 more
    (256) 384-6720

  • BCL of Texas (business and Community Lenders)

    400 S Zang Blvd Ste 1220, Dallas · 31 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (214) 688-7456

All counseling agencies in Texas

Help in Spanish near Ennis

3 of the 3 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.

Housing authorities of Ennis

HUD’s record names them for Ennis or Ellis County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

2 other authorities have an office in Ellis County: see the list Source: HUD

Cities

Other cities in Ellis County

These cities are also in Ellis County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Ellis County Housing in Texas

Nearby cities

The cities closest to Ennis, with the typical home value.

Neighboring counties

If Ellis County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Ennis.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Ennis

Short answers with the numbers for Ennis and all of Ellis 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 Ennis?

The typical home value in Ennis is $260,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ellis County it is $348,600.

How much does it cost to rent in Ennis?

Typical rent in Ennis is $1,362 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Ellis County is $1,807.

What is the FHA loan limit in Ennis?

Ennis uses the FHA limit for all of Ellis County (2026): $563,500 for a one-unit home and $1,083,650 for a four-unit home.

How much property tax do owners pay in Ennis?

The typical homeowner in Ennis pays $4,061 a year, according to the U.S. Census Bureau. That is 1.56% of the home’s value; in Ellis County, the rate is 1.35%.

Where can I find free help to buy or rent in Ennis?

We found no HUD-approved counseling agencies with an office in Ellis County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).