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City · 85,999 residents · Williamson County, Texas

Georgetown , Texas

In Georgetown, a typical home is worth $429,100 and typical rent is $1,795 a month. Compared with all of Williamson County, typical household income is 15% lower.

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  • Typical home value

    $429,100

    4% below the county

    51% above Texas

    • Georgetown
    • Williamson
    • Texas

  • Typical rent

    $1,795a month

    About the same as the county

    28% above Texas

    • Georgetown
    • Williamson
    • Texas

  • Typical household income

    $95,062a year

    15% below the county

    21% above Texas

    • Georgetown
    • Williamson
    • Texas

  • Households that own their home

    69%

    3 points above the county

    7 points above Texas

    • Georgetown
    • Williamson
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$419,666
3.9% less than 12 months ago
Typical rent
$1,596 a month
3.4% more than 12 months ago

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

Georgetown is in Williamson County. The FHA loan limit ($571,550 for a one-unit home), the fair market rents and the help on this page are those of all of Williamson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Georgetown apart

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

  1. Nearby, in Sonterra, the typical home value is $273,600: 36% less than in Georgetown ($429,100).

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

The homes here

Housing in Georgetown

What homes there are in Georgetown, 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 Georgetown, 7 in 10 homes are single-family detached houses, about the same as in Williamson County.

Year built

In Georgetown, half of the homes were built before 2008; in Williamson County, before 2006.

In Georgetown, 11% of homes have 1 bedroom or none (studios); 61% have 3 bedrooms or more, against 72% in Williamson 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

The FHA loan limit for Williamson County is $571,550, and about 76% of owner-occupied homes in Georgetown are worth less than that.

Monthly rent with utilities

With a mortgage

$2,328 a month

Williamson County: $2,453 a month

Without a mortgage

$895 a month

Williamson County: $938 a month

Owners with a mortgage

59%

Williamson County: 70%

In Georgetown, 59% of owners have a mortgage, and their typical cost is $2,328 a month, against $2,453 in Williamson County. Without one it drops to $895.

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 Georgetown gained value more slowly than in Williamson County: 61% since 2015–2019, against 70%.

Rents in Georgetown rose faster than in Williamson County: 46% since 2015–2019, against 35%.

Housing prices ran ahead of income in Georgetown: typical income rose 29%, against +61% for home values and +46% 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

MeasureGeorgetownWilliamson CountyTexasUnited States
Rental vacancy Unreliable estimate4.2%7.7%5.5%
Homeowner vacancy Unreliable estimate0.9%1.1%0.9%
More than one person per room 2.3%2.8%4.8%3.4%
People per household 2.372.652.692.53
Drive alone 65%64%71%69%
Carpool 9%8%10%9%
Public transit Unreliable estimate0%1%3%
Walk or bike 1%1%2%3%
Work from home 24%25%14%15%
Other means 1%2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Williamson County, 2.3% of households in Georgetown have more than one person per room.

Fewer people live in each home here: 2.37 on average, against 2.65 in Williamson County.

The car rules in Georgetown: 65% of workers drive to work alone, and the typical trip takes 20 to 29 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 Georgetown?

A typical home costs more than the typical income allows

We start with a typical home in Georgetown, worth $429,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 47% of the typical household income in Georgetown, which is $95,062 a year. For that payment to be 28% of income, a household would need to earn about $160,495 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Georgetown. 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 $15,019 (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

$3,745

at 7.18% · 30 years

Loan amount
$421,327
Total interest
$606,191
Paid off in
November 2056

Includes $7,246 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,218 a month

  • Tight

    $2,218 to $2,852 a month

  • Hard

    more than $2,852 a month

    Your payment · 47%

Compared with the typical household income in Georgetown ($95,062 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,745
Principal & interest$2,854
Property tax$522
Home insurance$179
FHA mortgage insurance (MIP)$190

You need at least $15,019 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

Georgetown and Williamson County

Georgetown is in Williamson 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).

Georgetown's own numbers

Typical home value
$429,100
Typical monthly rent
$1,795
Typical yearly household income
$95,062
Households that own their home
69%
Effective property tax rate
1.46%

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

Numbers for all of Williamson County

FHA limit, one-unit home
$571,550
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,817
Price change over 5 years (FHFA)
+43%
Homes in a high flood-risk zone
0.7%

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 Williamson County.

Everything about Williamson County

Buying

Buying a home in Georgetown

A typical home in Georgetown is worth $429,100: 4% below the county and 51% above Texas. With the typical household income in Georgetown ($95,062 a year), a typical home costs 4.5 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.

  • Georgetown 4.5 years
  • Williamson 4.0 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Williamson County

According to FHFA’s house price index, home prices in Williamson County rose 100% in the 10 years through 2025.

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

Period County Texas U.S.
Last year (2025) −1.0% +0.8% +2.9%
5 years (2020–2025) +43% +44% +47%
10 years (2015–2025) +100% +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

Georgetown next to Williamson 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
  • Georgetown $429,100
  • Williamson $447,000
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Georgetown $1,795
  • Williamson $1,796
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Georgetown $95,062
  • Williamson $111,340
  • Texas $78,476
  • United States $80,734
See the full table
Georgetown next to Williamson County and Texas
Measure Georgetown Williamson County Texas U.S.
Typical home value $429,100 $447,000 $283,800 $332,700
Typical monthly rent $1,795 $1,796 $1,403 $1,413
Typical yearly household income $95,062 $111,340 $78,476 $80,734
Households that own their home 69% 66% 63% 65%
Typical yearly property tax $6,247 $7,205 $4,232 $3,119
Effective property tax rate 1.46% 1.61% 1.49% 0.94%
Renters with high rent for their income 56% 48% 52% 51%

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

For a typical $429,100 home in Georgetown, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Georgetown's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,745a month

    Least cash to close
    Down payment
    $15,019
    Cash to close
    $27,892
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $190

  • Conventional, 5% down $3,666a month

    Down payment
    $21,455
    Cash to close
    $34,328
    Rate
    7.18%
    Mortgage insurance
    PMI · $204

  • Conventional, 20% down, no PMI $3,026a month

    Down payment
    $85,820
    Cash to close
    $98,693
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,423a month

    Down payment
    $64,365
    Cash to close
    $77,238
    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 Georgetown and for Williamson County.

Property tax

Effective rate in Georgetown

1.46%of the home’s value each year

$6,247 a year for the typical owner in Georgetown.

  • Georgetown 1.46%
  • Williamson 1.61%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in Williamson County

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

Homes in the high-risk zone
0.7%
1,291
Of those, with NFIP insurance
46%
County Texas U.S.
Homes in the high-risk zone 0.7% 4.1% 3.5%
Of those, with NFIP insurance 46% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Georgetown

Typical rent in Georgetown is $1,795 a month: about the same as the county. In Georgetown, 56% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Williamson County, by unit size. To pay the 2-bedroom one ($1,817 a month) without spending more than 30% of your income, you would need to earn $34.94 an hour working full time.

HUD fair market rent for all of Williamson 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 $1,447 $27.83 $57,880
1 bedroom $1,530 $29.42 $61,200
2 bedrooms $1,817 $34.94 $72,680
3 bedrooms $2,292 $44.08 $91,680
4 bedrooms $2,689 $51.71 $107,560

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 Georgetown

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Georgetown has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,740 in 78628 to $2,230 in 78633.

2 of the 3 are above the fair market rent for Williamson County ($1,817).

  • 78626 $1,980$2,500
  • 78628 $1,740$2,190
  • 78633 $2,230$2,810

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Georgetown 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 Georgetown

HUD lists 16 buildings with rents for lower incomes in Georgetown. These are the largest.

  • Oaks at Georgetown Apartments, the 550 W 22nd St, Georgetown 78626 192 low-income homes · 1 bd: 48 · 2 bd: 64 · 3 bd: 80 · In service since 1997
  • Residences of Stillwater 1401 NE Inner Loop, Georgetown 78626 192 low-income homes · For older adults, people with disabilities, families, people experiencing homelessness
  • Cypress Creek at River Bend 120 River Bend Dr, Georgetown 78628 180 low-income homes · 1 bd: 36 · 2 bd: 72 · 3 bd: 64 · 4 bd: 8 · In service since 2007
  • Gateway Northwest 1617 Northwest Blvd, Georgetown 78628 180 homes, 177 low-income · 1 bd: 40 · 2 bd: 84 · 3 bd: 56
  • Stonehaven 1701 Hart St, Georgetown 78626 158 low-income homes · Run by Georgetown Housing Authority · Average payment: $441 a month · Average wait: 22 months (512) 863-5565

See all 53 buildings in Williamson County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Georgetown

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

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Georgetown

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

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

  • Frameworks Community Development Corporation

    2200 E Martin Luther King Jr Blvd, Austin · 27 miles away · Spanish

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 2 more
    (512) 385-1500

  • BCL of Texas (business and Community Lenders)

    1011 San Jacinto Blvd Ste 500, Austin · 28 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (512) 912-9884

  • Austin Habitat for Humanity

    500 W Ben White Blvd, Austin · 31 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    512-472-8788x122

All counseling agencies in Texas

Help in Spanish near Georgetown

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 Georgetown

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

  • Georgetown Housing Authority Public housing and Section 8 vouchers (512) 863-5565

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

Cities

Other cities in Williamson County

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

Everything about Williamson County Housing in Texas

Nearby cities

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

Neighboring counties

If Williamson 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 Georgetown.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Georgetown

Short answers with the numbers for Georgetown and all of Williamson 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 Georgetown?

The typical home value in Georgetown is $429,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Williamson County it is $447,000.

How much does it cost to rent in Georgetown?

Typical rent in Georgetown is $1,795 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Williamson County is $1,817.

What is the FHA loan limit in Georgetown?

Georgetown uses the FHA limit for all of Williamson County (2026): $571,550 for a one-unit home and $1,099,150 for a four-unit home.

How much property tax do owners pay in Georgetown?

The typical homeowner in Georgetown pays $6,247 a year, according to the U.S. Census Bureau. That is 1.46% of the home’s value; in Williamson County, the rate is 1.61%.

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

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