County in Texas

Garza County, Texas

Garza County, in Texas, has 5,118 residents: No. 201 of 254 by population. In Garza County, the FHA loan limit for a one-unit home is $541,287. HUD's Fair Market Rent for a 2-bedroom apartment is $1,084 a month; to pay it without spending more than 30% of your income, you need to earn about $20.85 an hour.

Typical home price

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
Fair market rent, 2 bedrooms

$1,084 a month

−27% vs. Texas −38% vs. U.S.

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

Market now, with Zillow data

Zillow data

Typical home value: $121,629; 2% more than 12 months ago; Typical home value from Zillow, September 2021 to September 2026: from $157,642 to $121,629.

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

Data from October 2026

In short

What is housing like in Garza County today?

Here 71% of households live in a home they own; across Texas it is 63%.

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

Only here

What sets Garza County apart

Nearby, in Kent County, the typical rent is $675: 19% less than in Garza County ($838).
According to Zillow, in the 12 months to September 2026 the typical home value in Garza County rose 2%; in Texas, it fell 1.4%.
At $46,314, Garza County ranks 17th among the 250 counties in Texas with this figure for the lowest typical household income.
14% of households in Garza County have no internet at home, against 6% in Texas.

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

The homes here

Housing in Garza County

What homes there are in Garza 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

Kind of home: Garza County and its comparisons
Measure	Garza County	Texas	United States
Detached house	79%	64%	61%
Attached house	Unreliable estimate	3%	6%
Building of 2 to 4	Unreliable estimate	5%	8%
Apartments (5 or more)	Unreliable estimate	21%	19%
Mobile home	12%	6%	6%
Boat, RV and other	Unreliable estimate	0%	0%

In Garza County, 8 in 10 homes are single-family detached houses; in Texas, 6.

In Garza County there are many mobile homes: 12% of homes; in Texas, 6%.

Year built

Year built: Garza County and its comparisons
Measure	Garza County	Texas	United States
Before 1960	31%	12%	26%
1960–1979	26%	21%	24%
1980–1999	24%	28%	25%
2000–2009	15%	18%	14%
2010 or later	Unreliable estimate	21%	11%

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

Value of owner-occupied homes: Garza County and its comparisons
Measure	Garza County
Under $100K	57%
$100K–$200K	16%
$200K–$300K	20%
$300K–$500K	Unreliable estimate
$500K–$750K	Unreliable
$750K–$1M	Unreliable
$1M or more	Unreliable

Monthly rent with utilities

Monthly rent with utilities: Garza County and its comparisons
Measure	Garza County
Under $500	Unreliable estimate
$500–$999	Unreliable estimate
$1,000–$1,499	Unreliable estimate
$1,500–$1,999	Unreliable estimate
$2,000–$2,499	Unreliable
$2,500–$2,999	Unreliable
$3,000 or more	Unreliable estimate

With a mortgage

$1,497 a month

Texas: $2,106 a month

Without a mortgage

$439 a month

Texas: $678 a month

Owners with a mortgage

21%

Texas: 56%

Owning costs less in Garza County: with a mortgage, the typical cost is $1,497 a month; in Texas, $2,106. Without one, $439.

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Change since 2015–2019: Garza County and its comparisons
Measure	Garza County	Texas	United States
Typical home value	Unreliable estimate	+65%	+53%
Typical rent	No clear change	+34%	+33%
Typical household income	No clear change	+27%	+29%

Since 2015–2019, the typical rent in Garza County did not change clearly, according to the Census.

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

How people live: Garza County and its comparisons
Measure	Garza County	Texas	United States
Rental vacancy	Unreliable estimate	7.7%	5.5%
Homeowner vacancy	Unreliable estimate	1.1%	0.9%
More than one person per room	Unreliable estimate	4.8%	3.4%
People per household	2.60	2.69	2.53
Drive alone	82%	71%	69%
Carpool	15%	10%	9%
Public transit	Unreliable estimate	1%	3%
Walk or bike	Unreliable estimate	2%	3%
Work from home	Unreliable estimate	14%	15%
Other means	Unreliable estimate	2%	2%
Typical commute	Unreliable estimate	20 to 29 minutes	20 to 29 minutes

A household in Garza County has 2.60 people on average, about the same as in Texas (2.69).

More people carpool to work in Garza County than in Texas: 15% against 10%.

Do the math

What would you pay each month in Garza 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.

Change the price, the down payment or the loan: the payment updates right away.

Your numbers

Home priceTexas data

Starts at the typical home value in Texas. Change it to the price you have in mind.

Your credit score

620 or higher580 to 619500 to 579Under 500

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%.

Interest rate%

This week's average ± a quarter or half point.

Term

30 years20 years15 years

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Property tax per year$Enter the yearly tax for the home you're looking at.Home insurance per year$An example, not official data: get quotes from several insurers.HOA dues per month$Add the FHA upfront mortgage insurance premium to the loan

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

Payment partsBalance and interestPayment table

Monthly payment breakdown
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

See which down payment help you qualify for in Garza County

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 Garza County

Here you'll see how prices have changed, how Garza 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 Garza 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.

Garza 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

Garza $838
Texas $1,403
United States $1,413

Typical household income a year

Garza $46,314
Texas $78,476
United States $80,734

See the full table

Garza compared with Texas and the United States
Measure	Here	Texas	U.S.
Residents	5,118	30,188,424	334,922,499
Typical household income	$46,314	$78,476	$80,734
Typical rent	$838	$1,403	$1,413
Fair Market Rent (2 bedrooms)	$1,084	$1,488	$1,750
Hourly wage to rent a 2-bedroom	$20.85	$28.62	$33.65
Typical property tax	$1,220	$4,232	$3,119
Households that own their home	71%	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 Garza 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 Garza 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)

FHA and conforming loan limits in Garza County, by number of units
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 Garza 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 Garza 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 Garza County

The natural hazards FEMA measures in Garza 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 Garza 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 $4.7 million in losses a year in Garza County, across buildings, people and crops.

The hazard that would do the most damage to homes and buildings here is wildfire: about $360,920 a year.

Loss FEMA expects each year to homes and buildings, by hazard

WildfireFEMA risk rating: Relatively low $360,920 a year
Inland floodingFEMA risk rating: Very low $353,309 a year
TornadoFEMA risk rating: Relatively low $158,379 a year
Winter weatherFEMA risk rating: Relatively low $6,575 a year
EarthquakeFEMA risk rating: Very low $4,142 a year

What it means for your home

Wildfire

Keep a zone of at least 30 feet around the house free of leaves, debris or flammable materials, and use fire-resistant materials when you repair. Source: Ready.gov (FEMA)

Earthquake and wildfire insurance
Inland flooding

Homeowners insurance does not cover flooding. A federal flood policy (NFIP) typically takes up to 30 days to start, so buy it well before. Source: Ready.gov (FEMA)

Flood insurance (NFIP): who needs it and what it covers See the homes in the flood zone in Garza County
Tornado

Have a safe place and practice getting there: a safe room or storm shelter; if there is none, a small, interior, windowless room on the lowest level. Source: Ready.gov (FEMA)
Each home policy covers a set list of events, such as fire or windstorm: check with your agent at least once a year what yours covers. Source: NAIC

Home insurance explained: what it covers, how much to buy
Winter weather

Get the house ready for the cold with insulation, caulking and weather stripping, and learn how to keep pipes from freezing. Source: Ready.gov (FEMA)

Home insurance explained: what it covers, how much to buy
Earthquake

A standard homeowners policy does not cover earthquake damage. Secure heavy items to the wall: bookcases, refrigerators, water heaters and televisions. Source: Ready.gov (FEMA)

Earthquake and wildfire insurance

Climate and upkeep

Department of Energy (PNNL), 2021 IECC zones

Garza County is climate zone 3B 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. Source: 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. Source: ENERGY STAR (EPA)
Summer
- Before extreme heat: cover windows with drapes or shades, weather-strip doors and windows, and insulate around window air conditioners. Source: 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. Source: 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. Source: ENERGY STAR (EPA)
- Clean and repair the roof gutters. Source: 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. Source: ENERGY STAR (EPA)
- Check that the ground slopes away from the house, so water does not collect around the foundation. Source: 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. Source: ENERGY STAR (EPA)
Test the smoke alarms every month and replace their batteries at least once a year. Source: USFA (FEMA)

What the trades charge here

BLS, wages for May 2025

Hourly wage for each trade in the Lubbock, TX area, according to BLS (May 2025)
Trade	Typical hourly wage	8 in 10 earn between
Electricians	$22.60	$16.89 and $36.98
Plumbers, pipefitters and steamfitters	$23.54	$17.50 and $38.51
Heating, air conditioning and refrigeration mechanics	$23.97	$18.00 and $35.63
Roofers	$17.62	$13.44 and $27.73
Carpenters	$20.91	$14.74 and $28.83
Painters, construction and maintenance	$19.50	$15.35 and $25.85
Maintenance and repair workers, general	$20.07	$13.92 and $28.99

According to BLS, an electrician earns about $22.60 an hour in the Lubbock, TX area; a plumber, about $23.54.

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

Need help paying for a repair?

Renting

Renting in Garza County

The typical rent in Garza County is $838 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).

Fair market rent by size
Size	Fair rent a month	Hourly wage	Income needed per year
Studio	$786	$15.12	$31,440
1 bedroom	$917	$17.63	$36,680
2 bedrooms	$1,084	$20.85	$43,360
3 bedrooms	$1,501	$28.87	$60,040
4 bedrooms	$1,797	$34.56	$71,880

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

Free help in Garza County

Programs and counseling in Garza 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.

One-story houses with chain-link fences in a South San Antonio, Texas, neighborhood.

HUD counseling is free or low-cost

Texas down payment programs

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
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
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 Garza 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

They run public housing and Section 8 vouchers (Housing Choice Vouchers) in this county.

Housing Authority of Post Public housing (806) 495-2233

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 Garza County

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

Nearby counties

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

Crosby County

Typical value

$80,900

Typical rent

$684

−18%

FHA limit

$541,287

same

Compare Crosby County
Lynn County

Typical value

$147,300

Typical rent

$927

+11%

FHA limit

$541,287

same

Compare Lynn County
Kent County

Typical value

$122,200

Typical rent

$675

−19%

FHA limit

$541,287

same

Compare Kent County
Borden County

Typical value

$108,900

Typical rent

—

FHA limit

$541,287

same

Compare Borden County
Scurry County

Typical value

$113,800

Typical rent

$1,020

+22%

FHA limit

$541,287

same

Compare Scurry County
Dickens County

Typical value

$65,300

Typical rent

$758

−10%

FHA limit

$541,287

same

Compare Dickens County

Guides that help here

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

Help and programs Down payment assistance: how it works
There are 7 down payment assistance programs Texas on our list.
Buying a home How to buy a home in the United States, step by step
Credit Credit from zero: how to start your history in the U.S.
Mortgage loans ITIN mortgages: what exists and what lenders ask for

Frequently asked questions

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

Garza 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 Garza County?

Garza 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 Garza County?

Garza County has a typical rent of $838 a month (Average 2020–2024, U.S. Census). HUD's fair market rent for a 2-bedroom apartment is $1,084 (Fiscal year 2027).

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

About $20.85 an hour working full time (2,080 hours a year), or $43,360 a year, so the fair market rent of $1,084 stays under 30% of income.

How much is property tax in Garza County?

Garza County has a typical property tax of $1,220 a year, about — of the home's value (Average 2020–2024, U.S. Census).

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).

Garza County, Texas

Four numbers to start with

Market now, with Zillow data

What is housing like in Garza County today?

What sets Garza County apart

Housing in Garza County

What would you pay each month in Garza County?

Your numbers

Buying a home in Garza County

How have home prices changed?

Garza County compared with Texas and the United States

Four ways to pay for a typical home in Garza County

Loan limits

Property tax and flooding in Garza County

Property tax

Is there a flood risk?

Owning a home in Garza County

What it means for your home

Spring

Summer

Fall

Winter

All year

Renting in Garza County

Fair market rent by size

Programs and counseling in Garza County

Texas down payment programs

Help in Spanish in Garza County

Public housing agencies

Free legal help

Housing counseling nearby

Cities in Garza County

Nearby counties

Guides that help here

Frequently asked questions

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

What is the conforming loan limit in Garza County?

How much does it cost to rent in Garza County?

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

How much is property tax in Garza County?