Español

Este sitio también está en español. Leer en español

City · 7,200 residents · Gonzales County, Texas

Gonzales , Texas

In Gonzales, a typical home is worth $208,500 and typical rent is $751 a month. Compared with all of Gonzales County, the typical home value is 31% higher, typical household income is 11% lower, and the share of households that own their home is 15 points lower.

WhatsApp

  • Typical home value

    $208,500

    31% above the county

    27% below Texas

    • Gonzales
    • County
    • Texas

  • Typical rent

    $751a month

    11% below the county

    46% below Texas

    • Gonzales
    • County
    • Texas

  • Typical household income

    $51,929a year

    11% below the county

    34% below Texas

    • Gonzales
    • County
    • Texas

  • Households that own their home

    51%

    15 points below the county

    11 points below Texas

    • Gonzales
    • County
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$244,411
5.8% less than 12 months ago

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

Gonzales is in Gonzales 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 Gonzales County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Gonzales apart

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

  1. Gonzales has the 9th lowest typical rent of the 413 cities in Texas with more than 5,000 people ($751).

  2. Nearby, in Yoakum, the typical home value is $151,100: 28% less than in Gonzales ($208,500).

  3. The typical home in Gonzales is worth $208,500, 31% more than in Gonzales County as a whole ($159,100).

  4. 51% of households in Gonzales own their home, against 66% in Gonzales County.

  5. According to Zillow, in the 12 months to September 2026 the typical home value in Gonzales fell 5.8%; in Texas, it fell 1.4%.

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

The homes here

Housing in Gonzales

What homes there are in Gonzales, 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 is the most common home in Gonzales: 67% of homes, near the figure in Gonzales County (64%).

Year built

Homes in Gonzales are older: the typical year built is 1972; in Gonzales County, 1983.

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

$1,472 a month

Gonzales County: $1,409 a month

Without a mortgage

$665 a month

Gonzales County: $507 a month

Owners with a mortgage

54%

Gonzales County: 34%

Owning costs about the same in Gonzales as in Gonzales County: with a mortgage, $1,472 a month; without one, $665.

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

The typical home value in Gonzales rose 67% since 2015–2019, more than in Gonzales County (31%).

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

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

MeasureGonzalesGonzales 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 estimate3.6%4.8%3.4%
People per household 2.372.462.692.53
Drive alone 80%82%71%69%
Carpool 12%8%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate4%2%3%
Work from home Unreliable estimate4%14%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

By size, households in Gonzales look like those in Gonzales County: 2.37 people on average.

Carpooling is common in Gonzales: 12% of workers get to work that way, against 8% in Gonzales County.

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 Gonzales?

A typical home costs more than the typical income allows

We start with a typical home in Gonzales, worth $208,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Gonzales, which is $51,929 a year. For that payment to be 28% of income, a household would need to earn about $76,719 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Gonzales. 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 $7,298 (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

$1,790

at 7.18% · 30 years

Loan amount
$204,723
Total interest
$294,548
Paid off in
November 2056

Includes $3,521 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,212 a month

  • Tight

    $1,212 to $1,558 a month

  • Hard

    more than $1,558 a month

    Your payment · 41%

Compared with the typical household income in Gonzales ($51,929 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,790
Principal & interest$1,387
Property tax$224
Home insurance$87
FHA mortgage insurance (MIP)$92

You need at least $7,298 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

Gonzales and Gonzales County

Gonzales is in Gonzales 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).

Gonzales's own numbers

Typical home value
$208,500
Typical monthly rent
$751
Typical yearly household income
$51,929
Households that own their home
51%
Effective property tax rate
1.29%

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

Numbers for all of Gonzales County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,014
Price change over 5 years (FHFA)
+44%
Homes in a high flood-risk zone
8.7%

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 Gonzales County.

Everything about Gonzales County

Buying

Buying a home in Gonzales

A typical home in Gonzales is worth $208,500: 31% above the county and 27% below Texas. With the typical household income in Gonzales ($51,929 a year), a typical home costs 4.0 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.

  • Gonzales 4.0 years
  • County 2.7 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Gonzales County

According to FHFA’s house price index, home prices in Gonzales County rose 67% in the 10 years through 2025.

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

Period County Texas U.S.
Last year (2025) −4.7% +0.8% +2.9%
5 years (2020–2025) +44% +44% +47%
10 years (2015–2025) +67% +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

Gonzales next to Gonzales 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
  • Gonzales $208,500
  • County $159,100
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Gonzales $751
  • County $840
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Gonzales $51,929
  • County $58,672
  • Texas $78,476
  • United States $80,734
See the full table
Gonzales next to Gonzales County and Texas
Measure Gonzales Gonzales County Texas U.S.
Typical home value $208,500 $159,100 $283,800 $332,700
Typical monthly rent $751 $840 $1,403 $1,413
Typical yearly household income $51,929 $58,672 $78,476 $80,734
Households that own their home 51% 66% 63% 65%
Typical yearly property tax $2,695 $2,084 $4,232 $3,119
Effective property tax rate 1.29% 1.31% 1.49% 0.94%
Renters with high rent for their income 51% 46% 52% 51%

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

For a typical $208,500 home in Gonzales, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Gonzales's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,790a month

    Least cash to close
    Down payment
    $7,298
    Cash to close
    $13,553
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $92

  • Conventional, 5% down $1,752a month

    Down payment
    $10,425
    Cash to close
    $16,680
    Rate
    7.18%
    Mortgage insurance
    PMI · $99

  • Conventional, 20% down, no PMI $1,441a month

    Down payment
    $41,700
    Cash to close
    $47,955
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,634a month

    Down payment
    $31,275
    Cash to close
    $37,530
    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 Gonzales and for Gonzales County.

Property tax

Effective rate in Gonzales

1.29%of the home’s value each year

$2,695 a year for the typical owner in Gonzales.

  • Gonzales 1.29%
  • County 1.31%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in Gonzales County

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

Homes in the high-risk zone
8.7%
685
Of those, with NFIP insurance
16%
County Texas U.S.
Homes in the high-risk zone 8.7% 4.1% 3.5%
Of those, with NFIP insurance 16% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Gonzales

Typical rent in Gonzales is $751 a month: 11% below the county. In Gonzales, 51% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Gonzales County, by unit size. To pay the 2-bedroom one ($1,014 a month) without spending more than 30% of your income, you would need to earn $19.50 an hour working full time.

HUD fair market rent for all of Gonzales 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 $706 $13.58 $28,240
1 bedroom $775 $14.90 $31,000
2 bedrooms $1,014 $19.50 $40,560
3 bedrooms $1,404 $27.00 $56,160
4 bedrooms $1,461 $28.10 $58,440

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 Gonzales

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Gonzales is in ZIP code 78629.

For 2 bedrooms it is $1,030: $16 more than the fair market rent for Gonzales County ($1,014).

  • 78629 $1,030$1,430

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

HUD lists 7 buildings with rents for lower incomes in Gonzales. These are the largest.

  • Green Dewitt Village 1300 Cavett St, Gonzales 78629 140 low-income homes · Run by Gonzales Housing Authority · Average payment: $384 a month · Average wait: 13 months · Homes at several sites (830) 672-3419
  • Hyatt Manors Phases I & II 1701 Waco St, Gonzales 78629 65 low-income homes · 1 bd: 40 · 2 bd: 24 · 3 bd: 1 · For families (830) 672-7661
  • Country Village Square 1800 Waelder Rd, Gonzales 78629 38 low-income homes · For older adults (830) 672-2877
  • Hyatt Manor Apts II 1702 Waco St, Gonzales 78629 25 low-income homes · For families (830) 672-7661
  • Gonzales Independence Homes 3621 Highway 90A E, Gonzales 78629 24 low-income homes · For people with disabilities (830) 672-3626

See all 10 buildings in Gonzales County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Gonzales

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 Gonzales 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 Gonzales

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

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

  • Greenpath Financial Wellness

    12415 Old Converse Rd, Live Oak · 53 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (210) 979-4300

  • Austin Habitat for Humanity

    500 W Ben White Blvd, Austin · 53 miles away · Spanish

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

  • BCL of Texas (business and Community Lenders)

    1011 San Jacinto Blvd Ste 500, Austin · 55 miles away · Spanish

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

All counseling agencies in Texas

Help in Spanish near Gonzales

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 Gonzales

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

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

Cities

Nearby cities

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

Everything about Gonzales County Housing in Texas

Neighboring counties

If Gonzales 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 Gonzales.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Gonzales

Short answers with the numbers for Gonzales and all of Gonzales 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 Gonzales?

The typical home value in Gonzales is $208,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Gonzales County it is $159,100.

How much does it cost to rent in Gonzales?

Typical rent in Gonzales is $751 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Gonzales County is $1,014.

What is the FHA loan limit in Gonzales?

Gonzales uses the FHA limit for all of Gonzales 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 Gonzales?

The typical homeowner in Gonzales pays $2,695 a year, according to the U.S. Census Bureau. That is 1.29% of the home’s value; in Gonzales County, the rate is 1.31%.

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

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