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City · 31,532 residents · Kaufman County, Texas

Forney , Texas

In Forney, a typical home is worth $346,400 and typical rent is $1,828 a month. Compared with all of Kaufman County, typical rent is 18% higher, typical household income is 16% higher, and the share of households that own their home is 6 points lower.

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  • Typical home value

    $346,400

    8% above the county

    22% above Texas

    • Forney
    • Kaufman
    • Texas

  • Typical rent

    $1,828a month

    18% above the county

    30% above Texas

    • Forney
    • Kaufman
    • Texas

  • Typical household income

    $104,112a year

    16% above the county

    33% above Texas

    • Forney
    • Kaufman
    • Texas

  • Households that own their home

    72%

    6 points below the county

    10 points above Texas

    • Forney
    • Kaufman
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$303,277
4.8% less than 12 months ago
Typical rent
$2,085 a month
0.8% less than 12 months ago

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

Forney is in Kaufman 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 Kaufman County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Forney apart

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

  1. Nearby, in Mesquite, the typical home value is $245,700: 29% less than in Forney ($346,400).

  2. Nearby, in Sunnyvale, the typical rent is $1,422: 22% less than in Forney ($1,828).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Forney fell 4.8%; in Texas, it fell 1.4%.

  4. The typical rent in Forney is $1,828 a month, 18% more than in Kaufman County as a whole ($1,554).

  5. The typical household income in Forney is $104,112, 16% more than in Kaufman County as a whole ($89,485).

  6. 72% of households in Forney own their home, against 78% in Kaufman County.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Forney

What homes there are in Forney, 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

In Forney, 8 in 10 homes are single-family detached houses, about the same as in Kaufman County.

Year built

Homes in Forney are newer: the typical year built is 2010; in Kaufman County, 2005.

In Forney, 80% of homes have 3 bedrooms or more, about the same as in Kaufman County.

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

$2,309 a month

Kaufman County: $2,257 a month

Without a mortgage

$928 a month

Kaufman County: $791 a month

Owners with a mortgage

77%

Kaufman County: 64%

Owning costs about the same in Forney as in Kaufman County: with a mortgage, $2,309 a month; without one, $928.

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

Homes in Forney gained value more slowly than in Kaufman County: 69% since 2015–2019, against 80%.

Rents in Forney rose more slowly than in Kaufman County: 40% since 2015–2019, against 49%.

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

MeasureForneyKaufman CountyTexasUnited States
Rental vacancy Unreliable estimate9.2%7.7%5.5%
Homeowner vacancy Unreliable estimate0.9%1.1%0.9%
More than one person per room 5.1%6.1%4.8%3.4%
People per household 3.203.362.692.53
Drive alone 79%76%71%69%
Carpool 9%9%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 11%13%14%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute 30 to 39 minutes30 to 39 minutes20 to 29 minutes20 to 29 minutes

In Forney, 5.1% of households live with more than one person per room, against 6.1% in Kaufman County.

Much as in Kaufman County, a household in Forney has 3.20 people on average.

The car rules in Forney: 79% of workers drive to work alone, and the typical trip takes 30 to 39 minutes.

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 Forney?

A typical home costs more than the typical income allows

We start with a typical home in Forney, worth $346,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Forney, which is $104,112 a year. For that payment to be 28% of income, a household would need to earn about $134,016 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Forney. 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 $12,124 (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

$3,127

at 7.18% · 30 years

Loan amount
$340,126
Total interest
$489,361
Paid off in
November 2056

Includes $5,850 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,429 a month

  • Tight

    $2,429 to $3,123 a month

  • Hard

    more than $3,123 a month

    Your payment · 36%

Compared with the typical household income in Forney ($104,112 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,127
Principal & interest$2,304
Property tax$525
Home insurance$144
FHA mortgage insurance (MIP)$153

You need at least $12,124 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

Forney and Kaufman County

Forney is in Kaufman 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).

Forney's own numbers

Typical home value
$346,400
Typical monthly rent
$1,828
Typical yearly household income
$104,112
Households that own their home
72%
Effective property tax rate
1.82%

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

Numbers for all of Kaufman 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)
+49%
Homes in a high flood-risk zone
1.2%

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 Kaufman County.

Everything about Kaufman County

Buying

Buying a home in Forney

A typical home in Forney is worth $346,400: 8% above the county and 22% above Texas. With the typical household income in Forney ($104,112 a year), a typical home costs 3.3 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.

  • Forney 3.3 years
  • Kaufman 3.6 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Kaufman County

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

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

Period County Texas U.S.
Last year (2025) +1.2% +0.8% +2.9%
5 years (2020–2025) +49% +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

Forney next to Kaufman 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
  • Forney $346,400
  • Kaufman $320,900
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Forney $1,828
  • Kaufman $1,554
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Forney $104,112
  • Kaufman $89,485
  • Texas $78,476
  • United States $80,734
See the full table
Forney next to Kaufman County and Texas
Measure Forney Kaufman County Texas U.S.
Typical home value $346,400 $320,900 $283,800 $332,700
Typical monthly rent $1,828 $1,554 $1,403 $1,413
Typical yearly household income $104,112 $89,485 $78,476 $80,734
Households that own their home 72% 78% 63% 65%
Typical yearly property tax $6,294 $5,377 $4,232 $3,119
Effective property tax rate 1.82% 1.68% 1.49% 0.94%
Renters with high rent for their income 61% 58% 52% 51%

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

For a typical $346,400 home in Forney, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Forney's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,127a month

    Least cash to close
    Down payment
    $12,124
    Cash to close
    $22,516
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $153

  • Conventional, 5% down $3,064a month

    Down payment
    $17,320
    Cash to close
    $27,712
    Rate
    7.18%
    Mortgage insurance
    PMI · $165

  • Conventional, 20% down, no PMI $2,547a month

    Down payment
    $69,280
    Cash to close
    $79,672
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,867a month

    Down payment
    $51,960
    Cash to close
    $62,352
    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 Forney and for Kaufman County.

Property tax

Effective rate in Forney

1.82%of the home’s value each year

$6,294 a year for the typical owner in Forney.

  • Forney 1.82%
  • Kaufman 1.68%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in Kaufman County

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

Homes in the high-risk zone
1.2%
598
Of those, with NFIP insurance
18%
County Texas U.S.
Homes in the high-risk zone 1.2% 4.1% 3.5%
Of those, with NFIP insurance 18% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Forney

Typical rent in Forney is $1,828 a month: 18% above the county. In Forney, 61% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Kaufman 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 Kaufman 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 Forney

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Forney is in ZIP code 75126.

For 2 bedrooms it is $2,270: $463 more than the fair market rent for Kaufman County ($1,807).

  • 75126 $2,270$2,860

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Forney 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 Forney

HUD lists 2 buildings with rents for lower incomes in Forney. These are the largest.

  • Silver Spring at Forney 1000 Reeder Ln, Forney 75126 80 low-income homes · 1 bd: 44 · 2 bd: 36 · In service since 2012
  • La Villita 630 Cedar St, Forney 75126 52 homes, 51 low-income · In service since 2002

See all 16 buildings in Kaufman County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Forney

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

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Forney

No down payment, repair or rent-help program on our list is for Forney or Kaufman County. The ones below are statewide in Texas: they work in Forney 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 Forney

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

  • Builders of Hope

    603 Munger Ave, Dallas · 21 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (214) 920-9850

  • BCL of Texas (business and Community Lenders)

    400 S Zang Blvd Ste 1220, Dallas · 22 miles away · Spanish

    Also serves in other languages.

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

  • Balance - Dallas

    8330 Lbj Fwy, Dallas · 22 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (800) 777-7526

All counseling agencies in Texas

Help in Spanish near Forney

2 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 Forney

In HUD’s record, no housing authority with an office in Kaufman County is named for Forney or Kaufman County.

3 other authorities have an office in Kaufman County: see the list Source: HUD

Cities

Other cities in Kaufman County

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

Everything about Kaufman County Housing in Texas

Nearby cities

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

Neighboring counties

If Kaufman 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 Forney.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Forney

Short answers with the numbers for Forney and all of Kaufman 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 Forney?

The typical home value in Forney is $346,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Kaufman County it is $320,900.

How much does it cost to rent in Forney?

Typical rent in Forney is $1,828 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Kaufman County is $1,807.

What is the FHA loan limit in Forney?

Forney uses the FHA limit for all of Kaufman 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 Forney?

The typical homeowner in Forney pays $6,294 a year, according to the U.S. Census Bureau. That is 1.82% of the home’s value; in Kaufman County, the rate is 1.68%.

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

We found no HUD-approved counseling agencies with an office in Kaufman 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).