Español

Este sitio también está en español. Leer en español

City · 5,151 residents · Lee County, Texas

Giddings , Texas

In Giddings, a typical home is worth $252,300 and typical rent is $1,231 a month. Compared with all of Lee County, typical rent is 15% higher, the typical home value is 6% lower, and the share of households that own their home is 12 points lower.

WhatsApp

  • Typical home value

    $252,300

    6% below the county

    11% below Texas

    • Giddings
    • Lee
    • Texas

  • Typical rent

    $1,231a month

    15% above the county

    12% below Texas

    • Giddings
    • Lee
    • Texas

  • Typical household income

    $72,913a year

    5% below the county

    7% below Texas

    • Giddings
    • Lee
    • Texas

  • Households that own their home

    65%

    12 points below the county

    3 points above Texas

    • Giddings
    • Lee
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$295,683
1.4% less than 12 months ago

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

Giddings is in Lee 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 Lee County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Giddings apart

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

  1. Nearby, in Camp Swift, the typical home value is $208,500: 17% less than in Giddings ($252,300).

  2. 65% of households in Giddings own their home, against 78% in Lee County.

  3. The typical rent in Giddings is $1,231 a month, 15% more than in Lee County as a whole ($1,067).

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

The homes here

Housing in Giddings

What homes there are in Giddings, 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

The detached house rules in Giddings: 78% of homes, more than in Lee County (70%).

Year built

Homes in Giddings are older: the typical year built is 1984; in Lee County, 1992.

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

$2,029 a month

Lee County: $1,999 a month

Without a mortgage

$402 a month

Lee County: $475 a month

Owners with a mortgage

50%

Lee County: 46%

In Giddings, 50% of owners have a mortgage; their typical cost is $2,029 a month, about the same as in Lee County.

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

Since 2015–2019, homes in Giddings gained value faster than in Lee County: 127% against 93%.

The typical rent in Giddings rose 39% from 2015–2019 to 2020–2024.

The typical household income in Giddings rose 66% over that time; home values changed +127% and rent +39%.

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

MeasureGiddingsLee CountyTexasUnited States
Rental vacancy Unreliable estimateUnreliable estimate7.7%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimateUnreliable estimate4.8%3.4%
People per household 2.272.502.692.53
Drive alone 73%71%71%69%
Carpool Unreliable estimate11%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home Unreliable estimate13%14%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Households in Giddings are smaller: 2.27 people on average; in Lee County, 2.50.

In Giddings, 73% of workers drive alone to work; in Lee County, 71%.

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 Giddings?

A typical home is tight for the typical income

We start with a typical home in Giddings, worth $252,300, 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 Giddings, which is $72,913 a year. For that payment to be 28% of income, a household would need to earn about $88,960 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Giddings. 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 $8,831 (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

$2,076

at 7.18% · 30 years

Loan amount
$247,730
Total interest
$356,425
Paid off in
November 2056

Includes $4,261 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,701 a month

  • Tight

    $1,701 to $2,187 a month

    Your payment · 34%

  • Hard

    more than $2,187 a month

Compared with the typical household income in Giddings ($72,913 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,076
Principal & interest$1,678
Property tax$181
Home insurance$105
FHA mortgage insurance (MIP)$112

You need at least $8,831 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

Giddings and Lee County

Giddings is in Lee 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).

Giddings's own numbers

Typical home value
$252,300
Typical monthly rent
$1,231
Typical yearly household income
$72,913
Households that own their home
65%
Effective property tax rate
0.86%

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

Numbers for all of Lee County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,155
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
0.9%

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 Lee County.

Everything about Lee County

Buying

Buying a home in Giddings

A typical home in Giddings is worth $252,300: 6% below the county and 11% below Texas. With the typical household income in Giddings ($72,913 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.

  • Giddings 3.5 years
  • Lee 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 Lee County

According to FHFA’s house price index, home prices in Lee County rose 121% in the 10 years through 2025.

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

Period County Texas U.S.
Last year (2025) +5.3% +0.8% +2.9%
5 years (2020–2025) +56% +44% +47%
10 years (2015–2025) +121% +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

Giddings next to Lee 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
  • Giddings $252,300
  • Lee $267,800
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Giddings $1,231
  • Lee $1,067
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Giddings $72,913
  • Lee $76,371
  • Texas $78,476
  • United States $80,734
See the full table
Giddings next to Lee County and Texas
Measure Giddings Lee County Texas U.S.
Typical home value $252,300 $267,800 $283,800 $332,700
Typical monthly rent $1,231 $1,067 $1,403 $1,413
Typical yearly household income $72,913 $76,371 $78,476 $80,734
Households that own their home 65% 78% 63% 65%
Typical yearly property tax $2,176 $2,584 $4,232 $3,119
Effective property tax rate 0.86% 0.96% 1.49% 0.94%
Renters with high rent for their income 51% 54% 52% 51%

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

For a typical $252,300 home in Giddings, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Giddings's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,076a month

    Least cash to close
    Down payment
    $8,831
    Cash to close
    $16,400
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $112

  • Conventional, 5% down $2,029a month

    Down payment
    $12,615
    Cash to close
    $20,184
    Rate
    7.18%
    Mortgage insurance
    PMI · $120

  • Conventional, 20% down, no PMI $1,653a month

    Down payment
    $50,460
    Cash to close
    $58,029
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,887a month

    Down payment
    $37,845
    Cash to close
    $45,414
    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 Giddings and for Lee County.

Property tax

Effective rate in Giddings

0.86%of the home’s value each year

$2,176 a year for the typical owner in Giddings.

  • Giddings 0.86%
  • Lee 0.96%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in Lee County

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

Homes in the high-risk zone
0.9%
58
Of those, with NFIP insurance
17%
County Texas U.S.
Homes in the high-risk zone 0.9% 4.1% 3.5%
Of those, with NFIP insurance 17% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Giddings

Typical rent in Giddings is $1,231 a month: 15% above the county. In Giddings, 51% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Lee County, by unit size. To pay the 2-bedroom one ($1,155 a month) without spending more than 30% of your income, you would need to earn $22.21 an hour working full time.

HUD fair market rent for all of Lee 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 $878 $16.88 $35,120
1 bedroom $919 $17.67 $36,760
2 bedrooms $1,155 $22.21 $46,200
3 bedrooms $1,594 $30.65 $63,760
4 bedrooms $1,656 $31.85 $66,240

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 Giddings

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Giddings is in ZIP code 78942.

For 2 bedrooms it is $1,670: $515 more than the fair market rent for Lee County ($1,155).

  • 78942 $1,670$2,120

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

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

  • Villas of Giddings 270 Lazy Oaks Ln, Giddings 78942 36 low-income homes · 3 bd: 28 · 4 bd: 8 · In service since 2013
  • Windmill Apartments 550 N Montgomery Ave, Giddings 78942 28 low-income homes · 1 bd: 8 · 2 bd: 20 · In service since 2003 · For older adults, people with disabilities, families, people experiencing homelessness

See all 2 buildings in Lee County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Giddings

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

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Giddings

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

The HUD-approved agencies closest to the center of Giddings, 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 · 48 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 · 49 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 · 50 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 Giddings

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 Giddings

HUD lists no housing authority with an office in Lee County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Texas Source: HUD

Cities

Nearby cities

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

Everything about Lee County Housing in Texas

Neighboring counties

If Lee 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 Giddings.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Giddings

Short answers with the numbers for Giddings and all of Lee 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 Giddings?

The typical home value in Giddings is $252,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lee County it is $267,800.

How much does it cost to rent in Giddings?

Typical rent in Giddings is $1,231 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lee County is $1,155.

What is the FHA loan limit in Giddings?

Giddings uses the FHA limit for all of Lee 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 Giddings?

The typical homeowner in Giddings pays $2,176 a year, according to the U.S. Census Bureau. That is 0.86% of the home’s value; in Lee County, the rate is 0.96%.

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

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