In Gilmer, a typical home is worth $166,700 and typical rent is $986 a month. Compared with all of Upshur County, typical household income is 33% lower and the share of households that own their home is 24 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $214,913 to $242,247.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Gilmer is in Upshur 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 Upshur County. See the county
What this place has that others do not, from public data, most unusual first.
1
56% of households in Gilmer own their home, against 81% in Upshur County.
2
Gilmer has the 20th lowest typical household income of the 424 cities in Texas with more than 5,000 people ($44,316).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Gilmer
What homes there are in Gilmer, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Gilmer
Upshur County
Texas
United States
Kind of home: Gilmer and its comparisons
Measure
Gilmer
Upshur County
Texas
United States
Detached house
63%
72%
64%
61%
Attached house
Unreliable estimate
1%
3%
6%
Building of 2 to 4
11%
3%
5%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
21%
19%
Mobile home
Unreliable estimate
19%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Gilmer, but it weighs less than in Upshur County: 63% against 72%.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Gilmer
Upshur County
Texas
United States
Year built: Gilmer and its comparisons
Measure
Gilmer
Upshur County
Texas
United States
Before 1960
36%
14%
12%
26%
1960–1979
21%
24%
21%
24%
1980–1999
25%
26%
28%
25%
2000–2009
Unreliable estimate
16%
18%
14%
2010 or later
Unreliable estimate
20%
21%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K48%
$200K–$300K21%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Gilmer and its comparisons
Measure
Gilmer
Under $100K
Unreliable estimate
$100K–$200K
48%
$200K–$300K
21%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49940%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Gilmer and its comparisons
Measure
Gilmer
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
40%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,535 a month
Upshur County: $1,483 a month
Without a mortgage
$567 a month
Upshur County: $465 a month
Owners with a mortgage
45%
Upshur County: 45%
The typical cost for an owner with a mortgage in Gilmer is $1,535 a month, near the figure in Upshur County ($1,483).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Gilmer+41%
Upshur County+19%
Texas+65%
United States+53%
Typical rent
Gilmer+45%
Upshur County+20%
Texas+34%
United States+33%
Typical household income
GilmerNo clear change
Upshur County+27%
Texas+27%
United States+29%
Change since 2015–2019: Gilmer and its comparisons
Measure
Gilmer
Upshur County
Texas
United States
Typical home value
+41%
+19%
+65%
+53%
Typical rent
+45%
+20%
+34%
+33%
Typical household income
No clear change
+27%
+27%
+29%
Since 2015–2019, homes in Gilmer gained value faster than in Upshur County: 41% against 19%.
Since 2015–2019, the typical rent in Gilmer rose 45%, more than in Upshur County (20%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Gilmer and its comparisons
Measure
Gilmer
Upshur County
Texas
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
3.1%
4.8%
3.4%
People per household
2.68
2.70
2.69
2.53
Drive alone
93%
79%
71%
69%
Carpool
Unreliable estimate
12%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
2%
3%
Work from home
Unreliable estimate
8%
14%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
A household in Gilmer has 2.68 people on average, about the same as in Upshur County (2.70).
In Gilmer, 93% of workers drive alone to work; in Upshur County, 79%.
Do the math
What would you pay each month for a home in Gilmer?
A typical home costs more than the typical income allows
We start with a typical home in Gilmer, worth $166,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in Gilmer, which is $44,316 a year. For that payment to be 28% of income, a household would need to earn about $62,469 a year.
The calculator's FHA and conventional loan limits are those of all of Upshur County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Gilmer. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $5,835 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,458
at 7.18% · 30 years
Loan amount
$163,680
Total interest
$235,497
Paid off in
November 2056
Includes $2,815 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,034 a month
Tight
$1,034 to $1,329 a month
Hard
more than $1,329 a month
Your payment · 39%
Compared with the typical household income in Gilmer ($44,316 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,109
Property tax
$206
Home insurance
$70
FHA mortgage insurance (MIP)
$74
You need at least $5,835 for the down payment, plus closing costs.
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.
Total monthly payment $1,458; principal and interest $1,109.
The city and its county
Gilmer and Upshur County
Gilmer is in Upshur 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).
Gilmer
Map of Upshur County, Texas, with Gilmer marked. Around it, the neighboring counties.
Gilmer
Upshur County
Other cities with a page
Gilmer's own numbers
Typical home value
$166,700
Typical monthly rent
$986
Typical yearly household income
$44,316
Households that own their home
56%
Effective property tax rate
1.48%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Upshur County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,232
Price change over 5 years (FHFA)
+62%
Homes in a high flood-risk zone
1.1%
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 Upshur County.
A typical home in Gilmer is worth $166,700: about the same as the county and 41% below Texas. With the typical household income in Gilmer ($44,316 a year), a typical home costs 3.8 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.
Gilmer3.8 years
Upshur2.5 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Upshur County
According to FHFA’s house price index, home prices in Upshur County rose 93% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Upshur County.
Yearly change in FHFA’s price index in Upshur County, 2016 to 2025
2016: +4.2% +4.2% 2016
2017: −1.4% −1.4% 2017
2018: +7.1% +7.1% 2018
2019: +2.1% +2.1% 2019
2020: +5.8% +5.8% 2020
2021: +11.1% +11.1% 2021
2022: +16.3% +16.3% 2022
2023: +14.7% +14.7% 2023
2024: +3.6% +3.6% 2024
2025: +5.5% +5.5% 2025
Change in FHFA’s price index in Upshur County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+5.5%
+0.8%
+2.9%
5 years (2020–2025)
+62%
+44%
+47%
10 years (2015–2025)
+93%
+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
Gilmer next to Upshur 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
Gilmer$166,700
Upshur$167,800
Texas$283,800
United States$332,700
Typical monthly rent
Gilmer$986
Upshur$995
Texas$1,403
United States$1,413
Typical yearly household income
Gilmer$44,316
Upshur$66,208
Texas$78,476
United States$80,734
See the full table
Gilmer next to Upshur County and Texas
Measure
Gilmer
Upshur County
Texas
U.S.
Typical home value
$166,700
$167,800
$283,800
$332,700
Typical monthly rent
$986
$995
$1,403
$1,413
Typical yearly household income
$44,316 ▼33% below the county
$66,208
$78,476
$80,734
Households that own their home
56% ▼24 points below the county
81%
63%
65%
Typical yearly property tax
$2,468 ▲24% above the county
$1,993
$4,232
$3,119
Effective property tax rate
1.48% ▲0.29 points above the county
1.19%
1.49%
0.94%
Renters with high rent for their income
42%
42%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Upshur 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 Gilmer
For a typical $166,700 home in Gilmer, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Gilmer's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,458a month
Least cash to close
Down payment
$5,835
Cash to close
$10,836
Rate
7.18%
Mortgage insurance
FHA MIP · $74
Conventional, 5% down$1,427a month
Down payment
$8,335
Cash to close
$13,336
Rate
7.18%
Mortgage insurance
PMI · $79
Conventional, 20% down, no PMI$1,178a month
Down payment
$33,340
Cash to close
$38,341
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,333a month
Down payment
$25,005
Cash to close
$30,006
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Gilmer
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,458
$5,835
$163,681
7.18%
FHA MIP · $74
$10,836
580
Conventional, 5% down
$1,427
$8,335
$158,365
7.18%
PMI · $79
$13,336
620*
Conventional, 20% down, no PMI
$1,178
$33,340
$133,360
7.18%
None
$38,341
620*
ITIN, 15% down (example)
$1,333
$25,005
$141,695
8.18%
None
$30,006
Set by the lender
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.
Typical rent in Gilmer is $986 a month: about the same as the county. In Gilmer, 42% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Upshur County, by unit size. To pay the 2-bedroom one ($1,232 a month) without spending more than 30% of your income, you would need to earn $23.69 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Upshur County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,034
$19.88
$41,360
1 bedroom
$1,041
$20.02
$41,640
2 bedrooms
$1,232
$23.69
$49,280
3 bedrooms
$1,611
$30.98
$64,440
4 bedrooms
$1,712
$32.92
$68,480
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 Gilmer
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Gilmer has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,150 in 75644 to $1,240 in 75645.
1 of the 2 is above the fair market rent for Upshur County ($1,232).
Fair market rent by ZIP code and size in Gilmer, fiscal year 2027.
75644
$970
$970
$1,150
$1,500
$1,600
75645
$1,040
$1,050
$1,240
$1,620
$1,720
ZIP code2 bd3 bd
75644 $1,150$1,500
75645 $1,240$1,620
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Gilmer 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 4 buildings with rents for lower incomes in Gilmer. These are the largest.
Sorrells Park Proj114 Circle Dr, Gilmer 75644140 low-income homes · Run by Housing Authority of Gilmer · Average payment: $309 a month · Average wait: 11 months(903) 843-3141
Gates700 E Scott St, Gilmer 7564464 low-income homes · For families(908) 843-3141
Meadows Apts (GILMER)916 State Highway 155 N, Gilmer 7564430 low-income homes · 1 bd: 26 · 2 bd: 4 · In service since 1992
Gilmer Capital Apts800 N Bradford St, Gilmer 7564424 low-income homes · 1 bd: 8 · 2 bd: 16 · In service since 1992
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 Upshur County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Gilmer or Upshur County. The ones below are statewide in Texas: they work in Gilmer the same as in the rest of the state.
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).
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).
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).
No legal help resource on our list is for Gilmer or Upshur County in particular.
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.
Short answers with the numbers for Gilmer and all of Upshur 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 Gilmer?
The typical home value in Gilmer is $166,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Upshur County it is $167,800.
How much does it cost to rent in Gilmer?
Typical rent in Gilmer is $986 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Upshur County is $1,232.
What is the FHA loan limit in Gilmer?
Gilmer uses the FHA limit for all of Upshur 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 Gilmer?
The typical homeowner in Gilmer pays $2,468 a year, according to the U.S. Census Bureau. That is 1.48% of the home’s value; in Upshur County, the rate is 1.19%.
Where can I find free help to buy or rent in Gilmer?
We found no HUD-approved counseling agencies with an office in Upshur County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
