In Heartland, a typical home is worth $322,000 and typical rent is $2,333 a month. Compared with all of Kaufman County, typical rent is 50% higher and the share of households that own their home is 14 points higher.
Heartland is in Kaufman County. The FHA loan limit ($563,500 for a one-unit home), the fair market rents and the help on this page are those of all of Kaufman County. See the county
What this place has that others do not, from public data, most unusual first.
1
Heartland has the 6th largest share of rent-burdened renters of the 356 cities in Texas with more than 5,000 people (78%).
2
The typical rent in Heartland is $2,333 a month, 50% more than in Kaufman County as a whole ($1,554).
3
Nearby, in Balch Springs, the typical rent is $1,378: 41% less than in Heartland ($2,333).
4
Nearby, in Balch Springs, the typical home value is $224,400: 30% less than in Heartland ($322,000).
5
Heartland has the 21st highest homeownership rate of the 426 cities in Texas with more than 5,000 people (92%).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Heartland
What homes there are in Heartland, 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
Heartland
Kaufman County
Texas
United States
Kind of home: Heartland and its comparisons
Measure
Heartland
Kaufman County
Texas
United States
Detached house
96%
79%
64%
61%
Attached house
Unreliable estimate
1%
3%
6%
Building of 2 to 4
Unreliable estimate
3%
5%
8%
Apartments (5 or more)
Unreliable estimate
6%
21%
19%
Mobile home
Unreliable estimate
11%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Heartland, 10 in 10 homes are single-family detached houses; in Kaufman County, 8.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Heartland
Kaufman County
Texas
United States
Year built: Heartland and its comparisons
Measure
Heartland
Kaufman County
Texas
United States
Before 1960
Unreliable estimate
6%
12%
26%
1960–1979
Unreliable estimate
11%
21%
24%
1980–1999
Unreliable estimate
22%
28%
25%
2000–2009
29%
24%
18%
14%
2010 or later
70%
38%
21%
11%
The typical home in Heartland was built in 2015, 10 years after the typical one in Kaufman County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K32%
$300K–$500K55%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Heartland and its comparisons
Measure
Heartland
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
32%
$300K–$500K
55%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Heartland and its comparisons
Measure
Heartland
Under $500
Unreliable
$500–$999
Unreliable
$1,000–$1,499
Unreliable
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$2,296 a month
Kaufman County: $2,257 a month
Without a mortgage
$1,003 a month
Kaufman County: $791 a month
Owners with a mortgage
83%
Kaufman County: 64%
The typical cost for an owner with a mortgage in Heartland is $2,296 a month, near the figure in Kaufman County ($2,257).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
HeartlandBoundaries changed
Kaufman County+80%
Texas+65%
United States+53%
Typical rent
HeartlandBoundaries changed
Kaufman County+49%
Texas+34%
United States+33%
Typical household income
HeartlandBoundaries changed
Kaufman County+28%
Texas+27%
United States+29%
Change since 2015–2019: Heartland and its comparisons
Measure
Heartland
Kaufman County
Texas
United States
Typical home value
Boundaries changed
+80%
+65%
+53%
Typical rent
Boundaries changed
+49%
+34%
+33%
Typical household income
Boundaries changed
+28%
+27%
+29%
The boundaries of Heartland changed since 2015–2019, so the Census does not compare its figures from then and now. In Kaufman County, the typical home value rose 80%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Heartland and its comparisons
Measure
Heartland
Kaufman County
Texas
United States
Rental vacancy
Unreliable estimate
9.2%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
0.9%
1.1%
0.9%
More than one person per room
Unreliable estimate
6.1%
4.8%
3.4%
People per household
3.93
3.36
2.69
2.53
Drive alone
77%
76%
71%
69%
Carpool
Unreliable estimate
9%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
15%
13%
14%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
Unreliable estimate
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in Heartland has 3.93 people, more than in Kaufman County (3.36).
To get to work, 77% of workers in Heartland drive alone; in Kaufman County, 76%.
Do the math
What would you pay each month for a home in Heartland?
A typical home costs more than the typical income allows
We start with a typical home in Heartland, worth $322,000, 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 Heartland, which is $92,996 a year. For that payment to be 28% of income, a household would need to earn about $130,786 a year.
The calculator's FHA and conventional loan limits are those of all of Kaufman 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 Heartland. 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 $11,270 (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
$3,052
at 7.18% · 30 years
Loan amount
$316,168
Total interest
$454,891
Paid off in
November 2056
Includes $5,438 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,170 a month
Tight
$2,170 to $2,790 a month
Hard
more than $2,790 a month
Your payment · 39%
Compared with the typical household income in Heartland ($92,996 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,142
Property tax
$633
Home insurance
$134
FHA mortgage insurance (MIP)
$142
You need at least $11,270 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 $3,052; principal and interest $2,142.
The city and its county
Heartland and Kaufman County
Heartland is in Kaufman 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).
Heartland
Map of Kaufman County, Texas, with Heartland marked. Around it, the neighboring counties.
Heartland
Kaufman County
Other cities with a page
Heartland's own numbers
Typical home value
$322,000
Typical monthly rent
$2,333
Typical yearly household income
$92,996
Households that own their home
92%
Effective property tax rate
2.36%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Kaufman County
FHA limit, one-unit home
$563,500
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,807
Price change over 5 years (FHFA)
+49%
Homes in a high flood-risk zone
1.2%
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 Kaufman County.
A typical home in Heartland is worth $322,000: about the same as the county and 13% above Texas. With the typical household income in Heartland ($92,996 a year), a typical home costs 3.5 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.
Heartland3.5 years
Kaufman3.6 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Kaufman County
According to FHFA’s house price index, home prices in Kaufman County rose 113% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Kaufman County.
Yearly change in FHFA’s price index in Kaufman County, 2016 to 2025
2016: +9.0% +9.0% 2016
2017: +11.9% +11.9% 2017
2018: +8.2% +8.2% 2018
2019: +4.5% +4.5% 2019
2020: +3.6% +3.6% 2020
2021: +14.7% +14.7% 2021
2022: +22.9% +22.9% 2022
2023: +3.1% +3.1% 2023
2024: +1.5% +1.5% 2024
2025: +1.2% +1.2% 2025
Change in FHFA’s price index in Kaufman County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+1.2%
+0.8%
+2.9%
5 years (2020–2025)
+49%
+44%
+47%
10 years (2015–2025)
+113%
+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
Heartland next to Kaufman 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
Heartland$322,000
Kaufman$320,900
Texas$283,800
United States$332,700
Typical monthly rent
Heartland$2,333
Kaufman$1,554
Texas$1,403
United States$1,413
Typical yearly household income
Heartland$92,996
Kaufman$89,485
Texas$78,476
United States$80,734
See the full table
Heartland next to Kaufman County and Texas
Measure
Heartland
Kaufman County
Texas
U.S.
Typical home value
$322,000
$320,900
$283,800
$332,700
Typical monthly rent
$2,333 ▲50% above the county
$1,554
$1,403
$1,413
Typical yearly household income
$92,996 ▲4% above the county
$89,485
$78,476
$80,734
Households that own their home
92% ▲14 points above the county
78%
63%
65%
Typical yearly property tax
$7,601 ▲41% above the county
$5,377
$4,232
$3,119
Effective property tax rate
2.36% ▲0.68 points above the county
1.68%
1.49%
0.94%
Renters with high rent for their income
78% ▲20 points above the county
58%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Kaufman 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 Heartland
For a typical $322,000 home in Heartland, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Heartland's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,052a month
Least cash to close
Down payment
$11,270
Cash to close
$20,930
Rate
7.18%
Mortgage insurance
FHA MIP · $142
Conventional, 5% down$2,993a month
Down payment
$16,100
Cash to close
$25,760
Rate
7.18%
Mortgage insurance
PMI · $153
Conventional, 20% down, no PMI$2,513a month
Down payment
$64,400
Cash to close
$74,060
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,810a month
Down payment
$48,300
Cash to close
$57,960
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Heartland
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,052
$11,270
$316,168
7.18%
FHA MIP · $142
$20,930
580
Conventional, 5% down
$2,993
$16,100
$305,900
7.18%
PMI · $153
$25,760
620*
Conventional, 20% down, no PMI
$2,513
$64,400
$257,600
7.18%
None
$74,060
620*
ITIN, 15% down (example)
$2,810
$48,300
$273,700
8.18%
None
$57,960
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 Heartland is $2,333 a month: 50% above the county. In Heartland, 78% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Kaufman County, by unit size. To pay the 2-bedroom one ($1,807 a month) without spending more than 30% of your income, you would need to earn $34.75 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 Kaufman County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,491
$28.67
$59,640
1 bedroom
$1,536
$29.54
$61,440
2 bedrooms
$1,807
$34.75
$72,280
3 bedrooms
$2,275
$43.75
$91,000
4 bedrooms
$2,892
$55.62
$115,680
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 Heartland
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Heartland has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,770 in 75114 to $2,270 in 75126.
1 of the 2 is above the fair market rent for Kaufman County ($1,807).
Fair market rent by ZIP code and size in Heartland, fiscal year 2027.
75114
$1,460
$1,500
$1,770
$2,230
$2,830
75126
$1,870
$1,930
$2,270
$2,860
$3,630
ZIP code2 bd3 bd
75114 $1,770$2,230
75126 $2,270$2,860
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Heartland 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 Kaufman 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 Heartland or Kaufman County. The ones below are statewide in Texas: they work in Heartland 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 Heartland or Kaufman 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 Heartland and all of Kaufman 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 Heartland?
The typical home value in Heartland is $322,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Kaufman County it is $320,900.
How much does it cost to rent in Heartland?
Typical rent in Heartland is $2,333 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Kaufman County is $1,807.
What is the FHA loan limit in Heartland?
Heartland uses the FHA limit for all of Kaufman County (2026): $563,500 for a one-unit home and $1,083,650 for a four-unit home.
How much property tax do owners pay in Heartland?
The typical homeowner in Heartland pays $7,601 a year, according to the U.S. Census Bureau. That is 2.36% of the home’s value; in Kaufman County, the rate is 1.68%.
Where can I find free help to buy or rent in Heartland?
We found no HUD-approved counseling agencies with an office in Kaufman County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
