In Granbury, a typical home is worth $315,800 and typical rent is $1,386 a month. Compared with all of Hood County, typical household income is 17% lower and the share of households that own their home is 21 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $334,458 to $374,260.
Typical rent
$1,578a month
▲ 0.9% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,326 to $1,578.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Granbury is in Hood 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 Hood County. See the county
What this place has that others do not, from public data, most unusual first.
1
60% of households in Granbury own their home, against 81% in Hood County.
2
Nearby, in Cleburne, the typical home value is $221,100: 30% less than in Granbury ($315,800).
3
The typical household income in Granbury is $73,516,17% less than in Hood County as a whole ($88,160).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Granbury
What homes there are in Granbury, 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
Granbury
Hood County
Texas
United States
Kind of home: Granbury and its comparisons
Measure
Granbury
Hood County
Texas
United States
Detached house
58%
72%
64%
61%
Attached house
4%
3%
3%
6%
Building of 2 to 4
7%
2%
5%
8%
Apartments (5 or more)
27%
6%
21%
19%
Mobile home
Unreliable estimate
16%
6%
6%
Boat, RV and other
Unreliable estimate
1%
0%
0%
In Granbury, 6 in 10 homes are single-family detached houses; in Hood County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
Granbury
Hood County
Texas
United States
Year built: Granbury and its comparisons
Measure
Granbury
Hood County
Texas
United States
Before 1960
10%
4%
12%
26%
1960–1979
16%
17%
21%
24%
1980–1999
17%
31%
28%
25%
2000–2009
19%
22%
18%
14%
2010 or later
37%
26%
21%
11%
Here half of the homes date from 2003 or later; in Hood County, from 1998 or later.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K9%
$200K–$300K34%
$300K–$500K26%
$500K–$750K13%
$750K–$1MUnreliable
$1M or more5%
Value of owner-occupied homes: Granbury and its comparisons
Measure
Granbury
Under $100K
Unreliable estimate
$100K–$200K
9%
$200K–$300K
34%
$300K–$500K
26%
$500K–$750K
13%
$750K–$1M
Unreliable estimate
$1M or more
5%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49935%
$1,500–$1,99927%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or more12%
Monthly rent with utilities: Granbury and its comparisons
Measure
Granbury
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
35%
$1,500–$1,999
27%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
12%
With a mortgage
$1,835 a month
Hood County: $1,911 a month
Without a mortgage
$808 a month
Hood County: $653 a month
Owners with a mortgage
66%
Hood County: 56%
In Granbury, 66% of owners have a mortgage; their typical cost is $1,835 a month, about the same as in Hood County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Granbury+70%
Hood County+58%
Texas+65%
United States+53%
Typical rent
Granbury+36%
Hood County+49%
Texas+34%
United States+33%
Typical household income
Granbury+48%
Hood County+38%
Texas+27%
United States+29%
Change since 2015–2019: Granbury and its comparisons
Measure
Granbury
Hood County
Texas
United States
Typical home value
+70%
+58%
+65%
+53%
Typical rent
+36%
+49%
+34%
+33%
Typical household income
+48%
+38%
+27%
+29%
From 2015–2019 to 2020–2024, the typical home value in Granbury rose 70%; in Hood County, it rose 58%.
The typical rent in Granbury rose 36% over the same time; in Hood County, it rose 49%.
While home values in Granbury changed +70% and rent +36%, the typical household income rose 48%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Granbury and its comparisons
Measure
Granbury
Hood County
Texas
United States
Rental vacancy
Unreliable estimate
14.9%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
2.8%
4.8%
3.4%
People per household
2.13
2.54
2.69
2.53
Drive alone
83%
77%
71%
69%
Carpool
Unreliable estimate
7%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
2%
3%
Work from home
14%
14%
14%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in Granbury has 2.13 people, fewer than in Hood County (2.54).
To get to work, 83% of workers in Granbury drive alone; in Hood County, 77%.
Do the math
What would you pay each month for a home in Granbury?
A typical home costs more than the typical income allows
We start with a typical home in Granbury, worth $315,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 44% of the typical household income in Granbury, which is $73,516 a year. For that payment to be 28% of income, a household would need to earn about $116,200 a year.
The calculator's FHA and conventional loan limits are those of all of Hood 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 Granbury. 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 $11,053 (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
$2,711
at 7.18% · 30 years
Loan amount
$310,080
Total interest
$446,132
Paid off in
November 2056
Includes $5,333 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,715 a month
Tight
$1,715 to $2,205 a month
Hard
more than $2,205 a month
Your payment · 44%
Compared with the typical household income in Granbury ($73,516 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,101
Property tax
$340
Home insurance
$132
FHA mortgage insurance (MIP)
$140
You need at least $11,053 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 $2,711; principal and interest $2,101.
The city and its county
Granbury and Hood County
Granbury is in Hood 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).
Granbury
Map of Hood County, Texas, with Granbury marked. Around it, the neighboring counties.
Granbury
Hood County
Other cities with a page
Granbury's own numbers
Typical home value
$315,800
Typical monthly rent
$1,386
Typical yearly household income
$73,516
Households that own their home
60%
Effective property tax rate
1.29%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Hood County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,463
Price change over 5 years (FHFA)
+55%
Homes in a high flood-risk zone
3.5%
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 Hood County.
A typical home in Granbury is worth $315,800: 3% above the county and 11% above Texas. With the typical household income in Granbury ($73,516 a year), a typical home costs 4.3 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.
Granbury4.3 years
Hood3.5 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Hood County
According to FHFA’s house price index, home prices in Hood County rose 115% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Hood County.
Yearly change in FHFA’s price index in Hood County, 2016 to 2025
2016: +4.2% +4.2% 2016
2017: +10.5% +10.5% 2017
2018: +9.8% +9.8% 2018
2019: +4.6% +4.6% 2019
2020: +5.3% +5.3% 2020
2021: +16.2% +16.2% 2021
2022: +23.2% +23.2% 2022
2023: +6.6% +6.6% 2023
2024: −1.2% −1.2% 2024
2025: +2.6% +2.6% 2025
Change in FHFA’s price index in Hood County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+2.6%
+0.8%
+2.9%
5 years (2020–2025)
+55%
+44%
+47%
10 years (2015–2025)
+115%
+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
Granbury next to Hood 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
Granbury$315,800
Hood$306,400
Texas$283,800
United States$332,700
Typical monthly rent
Granbury$1,386
Hood$1,428
Texas$1,403
United States$1,413
Typical yearly household income
Granbury$73,516
Hood$88,160
Texas$78,476
United States$80,734
See the full table
Granbury next to Hood County and Texas
Measure
Granbury
Hood County
Texas
U.S.
Typical home value
$315,800 ▲3% above the county
$306,400
$283,800
$332,700
Typical monthly rent
$1,386 ▼3% below the county
$1,428
$1,403
$1,413
Typical yearly household income
$73,516 ▼17% below the county
$88,160
$78,476
$80,734
Households that own their home
60% ▼21 points below the county
81%
63%
65%
Typical yearly property tax
$4,073 ▲27% above the county
$3,217
$4,232
$3,119
Effective property tax rate
1.29% ▲0.24 points above the county
1.05%
1.49%
0.94%
Renters with high rent for their income
46%
46%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Hood 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 Granbury
For a typical $315,800 home in Granbury, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Granbury's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,711a month
Least cash to close
Down payment
$11,053
Cash to close
$20,527
Rate
7.18%
Mortgage insurance
FHA MIP · $140
Conventional, 5% down$2,653a month
Down payment
$15,790
Cash to close
$25,264
Rate
7.18%
Mortgage insurance
PMI · $150
Conventional, 20% down, no PMI$2,183a month
Down payment
$63,160
Cash to close
$72,634
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,474a month
Down payment
$47,370
Cash to close
$56,844
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Granbury
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,711
$11,053
$310,080
7.18%
FHA MIP · $140
$20,527
580
Conventional, 5% down
$2,653
$15,790
$300,010
7.18%
PMI · $150
$25,264
620*
Conventional, 20% down, no PMI
$2,183
$63,160
$252,640
7.18%
None
$72,634
620*
ITIN, 15% down (example)
$2,474
$47,370
$268,430
8.18%
None
$56,844
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 Granbury is $1,386 a month: 3% below the county. In Granbury, 46% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Hood County, by unit size. To pay the 2-bedroom one ($1,463 a month) without spending more than 30% of your income, you would need to earn $28.13 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 Hood County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,112
$21.38
$44,480
1 bedroom
$1,297
$24.94
$51,880
2 bedrooms
$1,463
$28.13
$58,520
3 bedrooms
$1,900
$36.54
$76,000
4 bedrooms
$2,412
$46.38
$96,480
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 Granbury
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Granbury has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,330 in 76048 to $1,640 in 76049.
1 of the 2 is above the fair market rent for Hood County ($1,463).
Fair market rent by ZIP code and size in Granbury, fiscal year 2027.
76048
$1,010
$1,180
$1,330
$1,730
$2,190
76049
$1,250
$1,460
$1,640
$2,130
$2,710
ZIP code2 bd3 bd
76048 $1,330$1,730
76049 $1,640$2,130
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Granbury 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 Granbury. These are the largest.
Cross Acres and Allen Meadows408 N Travis St, Granbury 7604850 low-income homes · Run by Housing Authority of Granbury · Average payment: $401 a month · Average wait: 37 months · Homes at several sites(817) 573-1107
Granbury Meadows Apts1201 N Meadows Dr, Granbury 7604850 low-income homes · 1 bd: 48 · 2 bd: 2 · In service since 1994
Hill Court Villas1111 Hill Court BLVD, Granbury 7604848 homes, 36 low-income · For older adults, people with disabilities, families, people experiencing homelessness
Lakewood Crossing300 S Park St, Granbury 7604848 homes, 34 low-income · For older adults, people with disabilities, families, people experiencing homelessness
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 Hood 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 Granbury or Hood County. The ones below are statewide in Texas: they work in Granbury 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 Granbury or Hood 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 Granbury and all of Hood 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 Granbury?
The typical home value in Granbury is $315,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hood County it is $306,400.
How much does it cost to rent in Granbury?
Typical rent in Granbury is $1,386 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hood County is $1,463.
What is the FHA loan limit in Granbury?
Granbury uses the FHA limit for all of Hood 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 Granbury?
The typical homeowner in Granbury pays $4,073 a year, according to the U.S. Census Bureau. That is 1.29% of the home’s value; in Hood County, the rate is 1.05%.
Where can I find free help to buy or rent in Granbury?
We found no HUD-approved counseling agencies with an office in Hood County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
