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City · 5,328 residents · Burnet County, Texas

Granite Shoals , Texas

In Granite Shoals, a typical home is worth $259,800 and typical rent is $1,319 a month. Compared with all of Burnet County, the typical home value is 24% lower.

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  • Typical home value

    $259,800

    24% below the county

    8% below Texas

    • Granite Shoals
    • Burnet
    • Texas

  • Typical rent

    $1,319a month

    About the same as the county

    6% below Texas

    • Granite Shoals
    • Burnet
    • Texas

  • Typical household income

    $78,042a year

    About the same as the county

    About the same as Texas

    • Granite Shoals
    • Burnet
    • Texas

  • Households that own their home

    79%

    2 points above the county

    16 points above Texas

    • Granite Shoals
    • Burnet
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$329,062
5.3% less than 12 months ago

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

Granite Shoals is in Burnet 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 Burnet County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Granite Shoals apart

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

  1. Nearby, in Kingsland, the typical rent is $892: 32% less than in Granite Shoals ($1,319).

  2. According to Zillow, in the 12 months to September 2026 the typical home value in Granite Shoals fell 5.3%; in Texas, it fell 1.4%.

  3. The typical home in Granite Shoals is worth $259,800, 24% less than in Burnet County as a whole ($344,000).

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

The homes here

Housing in Granite Shoals

What homes there are in Granite Shoals, 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 houses are the majority in Granite Shoals (67%), but less so than in Burnet County (71%).

Mobile homes are 25% of homes in Granite Shoals, more than in Burnet County (18%).

Year built

In Granite Shoals, half of the homes were built before 1988; in Burnet County, before 1997.

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

The FHA limit for Burnet County is high ($541,287): at least 74% of owner-occupied homes in Granite Shoals are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,680 a month

Burnet County: $2,003 a month

Without a mortgage

$690 a month

Burnet County: $653 a month

Owners with a mortgage

49%

Burnet County: 49%

Owning costs less in Granite Shoals: with a mortgage, the typical cost is $1,680 a month; in Burnet County, $2,003. Without one, $690.

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 Granite Shoals rose 96% since 2015–2019, more than in Burnet County (79%).

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

MeasureGranite ShoalsBurnet CountyTexasUnited States
Rental vacancy Unreliable estimateUnreliable estimate7.7%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room 12.2%3.3%4.8%3.4%
People per household 2.692.462.692.53
Drive alone 70%70%71%69%
Carpool 14%14%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home 15%13%14%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 12.2% of households in Granite Shoals live, more than in Burnet County (3.3%).

On average, a household in Granite Shoals has 2.69 people, more than in Burnet County (2.46).

In Granite Shoals, 70% of workers drive alone to work; in Burnet County, 70%.

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 Granite Shoals?

A typical home is tight for the typical income

We start with a typical home in Granite Shoals, worth $259,800, 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 Granite Shoals, which is $78,042 a year. For that payment to be 28% of income, a household would need to earn about $95,316 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Granite Shoals. 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 $9,093 (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

$2,224

at 7.18% · 30 years

Loan amount
$255,094
Total interest
$367,021
Paid off in
November 2056

Includes $4,387 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,821 a month

  • Tight

    $1,821 to $2,341 a month

    Your payment · 34%

  • Hard

    more than $2,341 a month

Compared with the typical household income in Granite Shoals ($78,042 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,224
Principal & interest$1,728
Property tax$273
Home insurance$108
FHA mortgage insurance (MIP)$115

You need at least $9,093 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

Granite Shoals and Burnet County

Granite Shoals is in Burnet 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).

Granite Shoals's own numbers

Typical home value
$259,800
Typical monthly rent
$1,319
Typical yearly household income
$78,042
Households that own their home
79%
Effective property tax rate
1.26%

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

Numbers for all of Burnet County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,349
Price change over 5 years (FHFA)
+51%
Homes in a high flood-risk zone
7.7%

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 Burnet County.

Everything about Burnet County

Buying

Buying a home in Granite Shoals

A typical home in Granite Shoals is worth $259,800: 24% below the county and 8% below Texas. With the typical household income in Granite Shoals ($78,042 a year), a typical home costs 3.3 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.

  • Granite Shoals 3.3 years
  • Burnet 4.4 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Burnet County

According to FHFA’s house price index, home prices in Burnet County rose 108% in the 10 years through 2025.

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

Period County Texas U.S.
Last year (2025) −3.5% +0.8% +2.9%
5 years (2020–2025) +51% +44% +47%
10 years (2015–2025) +108% +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

Granite Shoals next to Burnet 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
  • Granite Shoals $259,800
  • Burnet $344,000
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Granite Shoals $1,319
  • Burnet $1,319
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Granite Shoals $78,042
  • Burnet $78,732
  • Texas $78,476
  • United States $80,734
See the full table
Granite Shoals next to Burnet County and Texas
Measure Granite Shoals Burnet County Texas U.S.
Typical home value $259,800 $344,000 $283,800 $332,700
Typical monthly rent $1,319 $1,319 $1,403 $1,413
Typical yearly household income $78,042 $78,732 $78,476 $80,734
Households that own their home 79% 76% 63% 65%
Typical yearly property tax $3,273 $3,639 $4,232 $3,119
Effective property tax rate 1.26% 1.06% 1.49% 0.94%

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

For a typical $259,800 home in Granite Shoals, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Granite Shoals's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,224a month

    Least cash to close
    Down payment
    $9,093
    Cash to close
    $16,887
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $115

  • Conventional, 5% down $2,176a month

    Down payment
    $12,990
    Cash to close
    $20,784
    Rate
    7.18%
    Mortgage insurance
    PMI · $123

  • Conventional, 20% down, no PMI $1,789a month

    Down payment
    $51,960
    Cash to close
    $59,754
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,029a month

    Down payment
    $38,970
    Cash to close
    $46,764
    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 Granite Shoals and for Burnet County.

Property tax

Effective rate in Granite Shoals

1.26%of the home’s value each year

$3,273 a year for the typical owner in Granite Shoals.

  • Granite Shoals 1.26%
  • Burnet 1.06%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in Burnet County

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

Homes in the high-risk zone
7.7%
1,829
Of those, with NFIP insurance
53%
County Texas U.S.
Homes in the high-risk zone 7.7% 4.1% 3.5%
Of those, with NFIP insurance 53% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Granite Shoals

Typical rent in Granite Shoals is $1,319 a month: about the same as the county.

HUD publishes a fair market rent for all of Burnet County, by unit size. To pay the 2-bedroom one ($1,349 a month) without spending more than 30% of your income, you would need to earn $25.94 an hour working full time.

HUD fair market rent for all of Burnet 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 $1,025 $19.71 $41,000
1 bedroom $1,074 $20.65 $42,960
2 bedrooms $1,349 $25.94 $53,960
3 bedrooms $1,766 $33.96 $70,640
4 bedrooms $1,773 $34.10 $70,920

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 Granite Shoals

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Granite Shoals is in ZIP code 78654.

For 2 bedrooms it is $1,670: $321 more than the fair market rent for Burnet County ($1,349).

  • 78654 $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 Granite Shoals 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?

Free help

Help to buy or rent in Granite Shoals

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

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Granite Shoals

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

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

  • BCL of Texas (business and Community Lenders)

    1011 San Jacinto Blvd Ste 500, Austin · 43 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 · 44 miles away · Spanish

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

  • Frameworks Community Development Corporation

    2200 E Martin Luther King Jr Blvd, Austin · 44 miles away · Spanish

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 2 more
    (512) 385-1500

All counseling agencies in Texas

Help in Spanish near Granite Shoals

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 Granite Shoals

In HUD’s record, no housing authority with an office in Burnet County is named for Granite Shoals or Burnet County.

2 other authorities have an office in Burnet County: see the list Source: HUD

Cities

Other cities in Burnet County

These cities are also in Burnet County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Burnet County Housing in Texas

Nearby cities

The cities closest to Granite Shoals, with the typical home value.

Neighboring counties

If Burnet 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 Granite Shoals.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Granite Shoals

Short answers with the numbers for Granite Shoals and all of Burnet 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 Granite Shoals?

The typical home value in Granite Shoals is $259,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Burnet County it is $344,000.

How much does it cost to rent in Granite Shoals?

Typical rent in Granite Shoals is $1,319 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Burnet County is $1,349.

What is the FHA loan limit in Granite Shoals?

Granite Shoals uses the FHA limit for all of Burnet 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 Granite Shoals?

The typical homeowner in Granite Shoals pays $3,273 a year, according to the U.S. Census Bureau. That is 1.26% of the home’s value; in Burnet County, the rate is 1.06%.

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

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