In Graham, a typical home is worth $183,800 and typical rent is $967 a month. Compared with all of Young County, typical rent is 12% higher, typical household income is 7% lower, and the share of households that own their home is 7 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $173,704 to $213,587.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Graham is in Young 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 Young County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Breckenridge, the typical home value is $75,900: 59% less than in Graham ($183,800).
2
67% of households in Graham own their home, against 74% in Young County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Graham
What homes there are in Graham, 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
Graham
Young County
Texas
United States
Kind of home: Graham and its comparisons
Measure
Graham
Young County
Texas
United States
Detached house
83%
81%
64%
61%
Attached house
Unreliable estimate
Unreliable estimate
3%
6%
Building of 2 to 4
9%
7%
5%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
21%
19%
Mobile home
Unreliable estimate
7%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Graham, 8 in 10 homes are single-family detached houses, about the same as in Young County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Graham
Young County
Texas
United States
Year built: Graham and its comparisons
Measure
Graham
Young County
Texas
United States
Before 1960
33%
27%
12%
26%
1960–1979
33%
30%
21%
24%
1980–1999
23%
27%
28%
25%
2000–2009
Unreliable estimate
7%
18%
14%
2010 or later
Unreliable estimate
10%
21%
11%
Homes in Graham are older: the typical year built is 1972; in Young County, 1976.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K22%
$100K–$200K36%
$200K–$300K27%
$300K–$500K13%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Graham and its comparisons
Measure
Graham
Under $100K
22%
$100K–$200K
36%
$200K–$300K
27%
$300K–$500K
13%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
With an FHA limit of $541,287, at least 98% of owner-occupied homes in Graham sit below it: they are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99955%
$1,000–$1,49939%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Graham and its comparisons
Measure
Graham
Under $500
Unreliable estimate
$500–$999
55%
$1,000–$1,499
39%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,409 a month
Young County: $1,537 a month
Without a mortgage
$596 a month
Young County: $610 a month
Owners with a mortgage
58%
Young County: 42%
Owning costs less in Graham: with a mortgage, the typical cost is $1,409 a month; in Young County, $1,537. Without one, $596.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Graham+95%
Young County+82%
Texas+65%
United States+53%
Typical rent
Graham+34%
Young County+26%
Texas+34%
United States+33%
Typical household income
Graham+43%
Young County+34%
Texas+27%
United States+29%
Change since 2015–2019: Graham and its comparisons
Measure
Graham
Young County
Texas
United States
Typical home value
+95%
+82%
+65%
+53%
Typical rent
+34%
+26%
+34%
+33%
Typical household income
+43%
+34%
+27%
+29%
From 2015–2019 to 2020–2024, the typical home value in Graham rose 95%; in Young County, it rose 82%.
Rents in Graham rose faster than in Young County: 34% since 2015–2019, against 26%.
The typical household income in Graham rose 43% over that time; home values changed +95% and rent +34%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Graham and its comparisons
Measure
Graham
Young 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
Unreliable estimate
4.8%
3.4%
People per household
2.42
2.32
2.69
2.53
Drive alone
79%
78%
71%
69%
Carpool
17%
15%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
2%
3%
Work from home
Unreliable estimate
4%
14%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
By size, households in Graham look like those in Young County: 2.42 people on average.
To get to work, 79% of workers in Graham drive alone; in Young County, 78%.
Do the math
What would you pay each month for a home in Graham?
A typical home is tight for the typical income
We start with a typical home in Graham, worth $183,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Graham, which is $63,587 a year. For that payment to be 28% of income, a household would need to earn about $68,680 a year.
The calculator's FHA and conventional loan limits are those of all of Young 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 Graham. 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 $6,433 (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
$1,603
at 7.18% · 30 years
Loan amount
$180,471
Total interest
$259,655
Paid off in
November 2056
Includes $3,104 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,484 a month
Tight
$1,484 to $1,908 a month
Your payment · 30%
Hard
more than $1,908 a month
Compared with the typical household income in Graham ($63,587 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,223
Property tax
$222
Home insurance
$77
FHA mortgage insurance (MIP)
$81
You need at least $6,433 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 $1,603; principal and interest $1,223.
The city and its county
Graham and Young County
Graham is in Young 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).
Graham
Map of Young County, Texas, with Graham marked. Around it, the neighboring counties.
Graham
Young County
Graham's own numbers
Typical home value
$183,800
Typical monthly rent
$967
Typical yearly household income
$63,587
Households that own their home
67%
Effective property tax rate
1.45%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Young County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,053
Price change over 5 years (FHFA)
+69%
Homes in a high flood-risk zone
6.7%
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 Young County.
A typical home in Graham is worth $183,800: 5% above the county and 35% below Texas. With the typical household income in Graham ($63,587 a year), a typical home costs 2.9 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.
Graham2.9 years
Young2.6 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Young County
According to FHFA’s house price index, home prices in Young County rose 89% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Young County.
Yearly change in FHFA’s price index in Young County, 2016 to 2025
2016: +5.1% +5.1% 2016
2017: −7.2% −7.2% 2017
2018: +9.4% +9.4% 2018
2019: +4.4% +4.4% 2019
2020: +0.2% +0.2% 2020
2021: +16.2% +16.2% 2021
2022: +22.3% +22.3% 2022
2023: +15.1% +15.1% 2023
2024: +0.6% +0.6% 2024
2025: +3.0% +3.0% 2025
Change in FHFA’s price index in Young County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+3.0%
+0.8%
+2.9%
5 years (2020–2025)
+69%
+44%
+47%
10 years (2015–2025)
+89%
+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
Graham next to Young 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
Graham$183,800
Young$175,800
Texas$283,800
United States$332,700
Typical monthly rent
Graham$967
Young$862
Texas$1,403
United States$1,413
Typical yearly household income
Graham$63,587
Young$68,010
Texas$78,476
United States$80,734
See the full table
Graham next to Young County and Texas
Measure
Graham
Young County
Texas
U.S.
Typical home value
$183,800 ▲5% above the county
$175,800
$283,800
$332,700
Typical monthly rent
$967 ▲12% above the county
$862
$1,403
$1,413
Typical yearly household income
$63,587 ▼7% below the county
$68,010
$78,476
$80,734
Households that own their home
67% ▼7 points below the county
74%
63%
65%
Typical yearly property tax
$2,669 ▲36% above the county
$1,957
$4,232
$3,119
Effective property tax rate
1.45% ▲0.34 points above the county
1.11%
1.49%
0.94%
Renters with high rent for their income
52% ▲12 points above the county
40%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Young 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 Graham
For a typical $183,800 home in Graham, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Graham's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,603a month
Least cash to close
Down payment
$6,433
Cash to close
$11,947
Rate
7.18%
Mortgage insurance
FHA MIP · $81
Conventional, 5% down$1,569a month
Down payment
$9,190
Cash to close
$14,704
Rate
7.18%
Mortgage insurance
PMI · $87
Conventional, 20% down, no PMI$1,295a month
Down payment
$36,760
Cash to close
$42,274
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,465a month
Down payment
$27,570
Cash to close
$33,084
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Graham
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,603
$6,433
$180,471
7.18%
FHA MIP · $81
$11,947
580
Conventional, 5% down
$1,569
$9,190
$174,610
7.18%
PMI · $87
$14,704
620*
Conventional, 20% down, no PMI
$1,295
$36,760
$147,040
7.18%
None
$42,274
620*
ITIN, 15% down (example)
$1,465
$27,570
$156,230
8.18%
None
$33,084
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 Graham is $967 a month: 12% above the county. In Graham, 52% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Young County, by unit size. To pay the 2-bedroom one ($1,053 a month) without spending more than 30% of your income, you would need to earn $20.25 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 Young County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$800
$15.38
$32,000
1 bedroom
$805
$15.48
$32,200
2 bedrooms
$1,053
$20.25
$42,120
3 bedrooms
$1,458
$28.04
$58,320
4 bedrooms
$1,517
$29.17
$60,680
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 Graham
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Graham is in ZIP code 76450.
For 2 bedrooms it is $1,130: $77 more than the fair market rent for Young County ($1,053).
Fair market rent by ZIP code and size in Graham, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
76450
$860
$870
$1,130
$1,560
$1,630
ZIP code2 bd3 bd
76450 $1,130$1,560
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Graham 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)
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 Young 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 Graham or Young County. The ones below are statewide in Texas: they work in Graham 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 Graham or Young 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 Graham and all of Young 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 Graham?
The typical home value in Graham is $183,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Young County it is $175,800.
How much does it cost to rent in Graham?
Typical rent in Graham is $967 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Young County is $1,053.
What is the FHA loan limit in Graham?
Graham uses the FHA limit for all of Young 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 Graham?
The typical homeowner in Graham pays $2,669 a year, according to the U.S. Census Bureau. That is 1.45% of the home’s value; in Young County, the rate is 1.11%.
Where can I find free help to buy or rent in Graham?
We found no HUD-approved counseling agencies with an office in Young County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
