In Heath, a typical home is worth $766,900 and typical rent is $3,501 a month. Compared with all of Rockwall County, the typical home value is 85% higher, typical rent is 76% higher, and the share of households that own their home is 15 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $597,371 to $706,251.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Heath is in Rockwall 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 Rockwall County. See the county
What this place has that others do not, from public data, most unusual first.
1
Heath has the highest typical rent of the 413 cities in Texas with more than 5,000 people: $3,501.
2
Heath has the 3rd highest homeownership rate of the 426 cities in Texas with more than 5,000 people (98%).
3
The typical household income in Heath is $220,828,73% more than in Rockwall County as a whole ($127,981).
4
The typical home in Heath is worth $766,900,85% more than in Rockwall County as a whole ($415,500).
5
Nearby, in Sunnyvale, the typical rent is $1,422: 59% less than in Heath ($3,501).
6
Nearby, in Travis Ranch, the typical home value is $345,400: 55% less than in Heath ($766,900).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Heath
What homes there are in Heath, 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
Heath
Rockwall County
Texas
United States
Kind of home: Heath and its comparisons
Measure
Heath
Rockwall County
Texas
United States
Detached house
97%
85%
64%
61%
Attached house
Unreliable estimate
2%
3%
6%
Building of 2 to 4
Unreliable estimate
2%
5%
8%
Apartments (5 or more)
Unreliable estimate
8%
21%
19%
Mobile home
Unreliable estimate
3%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Heath: 97% of homes, more than in Rockwall County (85%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Heath
Rockwall County
Texas
United States
Year built: Heath and its comparisons
Measure
Heath
Rockwall County
Texas
United States
Before 1960
Unreliable estimate
1%
12%
26%
1960–1979
Unreliable estimate
6%
21%
24%
1980–1999
33%
26%
28%
25%
2000–2009
29%
31%
18%
14%
2010 or later
30%
37%
21%
11%
The typical year built in Heath is 2003, about the same as in Rockwall County (2006).
In Heath, 97% of homes have 3 bedrooms or more, more than in Rockwall County (87%).
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–$300KUnreliable
$300K–$500K15%
$500K–$750K28%
$750K–$1M25%
$1M or more27%
Value of owner-occupied homes: Heath and its comparisons
Measure
Heath
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
15%
$500K–$750K
28%
$750K–$1M
25%
$1M or more
27%
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: Heath and its comparisons
Measure
Heath
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$3,986 a month
Rockwall County: $2,622 a month
Without a mortgage
$1,468 a month
Rockwall County: $964 a month
Owners with a mortgage
62%
Rockwall County: 70%
The typical cost for an owner with a mortgage in Heath is $3,986 a month, more than in Rockwall County ($2,622); without one, $1,468.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Heath+58%
Rockwall County+56%
Texas+65%
United States+53%
Typical household income
Heath+42%
Rockwall County+27%
Texas+27%
United States+29%
Change since 2015–2019: Heath and its comparisons
Measure
Heath
Rockwall County
Texas
United States
Typical home value
+58%
+56%
+65%
+53%
Typical rent
No data
+39%
+34%
+33%
Typical household income
+42%
+27%
+27%
+29%
From 2015–2019 to 2020–2024, home values in Heath rose at about the same pace as in Rockwall County: 58% against 56%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Heath and its comparisons
Measure
Heath
Rockwall County
Texas
United States
Rental vacancy
Unreliable estimate
6.9%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
1.5%
1.1%
0.9%
More than one person per room
Unreliable estimate
1.8%
4.8%
3.4%
People per household
3.03
2.98
2.69
2.53
Drive alone
64%
72%
71%
69%
Carpool
6%
8%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
29%
19%
14%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
Unreliable estimate
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
A household in Heath has 3.03 people on average, about the same as in Rockwall County (2.98).
Many people here do not commute at all: 29% work from home; in Rockwall County, 19%.
Do the math
What would you pay each month for a home in Heath?
A typical home is tight for the typical income
We start with a typical home in Heath, worth $766,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Heath, which is $220,828 a year. For that payment to be 28% of income, a household would need to earn about $282,458 a year. Note: at that price the loan is above the FHA limit for Rockwall County ($563,500), so FHA would not insure it; the payment is only a reference.
The calculator's FHA and conventional loan limits are those of all of Rockwall 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 Heath. 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 $26,842 (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
$6,591
at 7.18% · 30 years
Loan amount
$753,009
Total interest
$1,083,403
Paid off in
November 2056
Includes $12,951 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $5,153 a month
Tight
$5,153 to $6,625 a month
Your payment · 36%
Hard
more than $6,625 a month
Compared with the typical household income in Heath ($220,828 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$5,101
Property tax
$831
Home insurance
$320
FHA mortgage insurance (MIP)
$339
This loan is over the FHA limit
You'd borrow $740,058, but the FHA limit for a one-unit home in Heath is $563,500. You'd need a bigger down payment or a different loan.
You need at least $26,842 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 $6,591; principal and interest $5,101.
The city and its county
Heath and Rockwall County
Heath is in Rockwall 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).
Heath
Map of Rockwall County, Texas, with Heath marked. Around it, the neighboring counties.
Heath
Rockwall County
Other cities with a page
Heath's own numbers
Typical home value
$766,900
Typical monthly rent
$3,501
Typical yearly household income
$220,828
Households that own their home
98%
Effective property tax rate
1.3%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Rockwall 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)
+45%
Homes in a high flood-risk zone
1%
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 Rockwall County.
A typical home in Heath is worth $766,900: 85% above the county and 170% above Texas. With the typical household income in Heath ($220,828 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.
Heath3.5 years
Rockwall3.2 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Rockwall County
According to FHFA’s house price index, home prices in Rockwall County rose 98% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Rockwall County.
Yearly change in FHFA’s price index in Rockwall County, 2016 to 2025
2016: +9.3% +9.3% 2016
2017: +9.7% +9.7% 2017
2018: +7.6% +7.6% 2018
2019: +3.0% +3.0% 2019
2020: +2.6% +2.6% 2020
2021: +14.8% +14.8% 2021
2022: +23.5% +23.5% 2022
2023: +2.4% +2.4% 2023
2024: +1.0% +1.0% 2024
2025: −0.9% −0.9% 2025
Change in FHFA’s price index in Rockwall County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
−0.9%
+0.8%
+2.9%
5 years (2020–2025)
+45%
+44%
+47%
10 years (2015–2025)
+98%
+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
Heath next to Rockwall 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
Heath$766,900
Rockwall$415,500
Texas$283,800
United States$332,700
Typical monthly rent
Heath$3,501
Rockwall$1,992
Texas$1,403
United States$1,413
Typical yearly household income
Heath$220,828
Rockwall$127,981
Texas$78,476
United States$80,734
See the full table
Heath next to Rockwall County and Texas
Measure
Heath
Rockwall County
Texas
U.S.
Typical home value
$766,900 ▲85% above the county
$415,500
$283,800
$332,700
Typical monthly rent
$3,501 ▲76% above the county
$1,992
$1,403
$1,413
Typical yearly household income
$220,828 ▲73% above the county
$127,981
$78,476
$80,734
Households that own their home
98% ▲15 points above the county
83%
63%
65%
Typical yearly property tax
$10,001 ▲56% above the county
$6,396
$4,232
$3,119
Effective property tax rate
1.3% ▼0.24 points below the county
1.54%
1.49%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Rockwall 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 Heath
For a typical $766,900 home in Heath, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Heath's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$6,591a month
Above the FHA limit for Rockwall County ($563,500)
Down payment
$26,842
Cash to close
$49,849
Rate
7.18%
Mortgage insurance
FHA MIP · $339
Conventional, 5% down$6,450a month
Least cash to close
Down payment
$38,345
Cash to close
$61,352
Rate
7.18%
Mortgage insurance
PMI · $364
Conventional, 20% down, no PMI$5,307a month
Down payment
$153,380
Cash to close
$176,387
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$6,016a month
Down payment
$115,035
Cash to close
$138,042
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Heath
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Above the FHA limit for Rockwall County ($563,500)
$6,591
$26,842
$753,010
7.18%
FHA MIP · $339
$49,849
580
Conventional, 5% down Least cash to close
$6,450
$38,345
$728,555
7.18%
PMI · $364
$61,352
620*
Conventional, 20% down, no PMI
$5,307
$153,380
$613,520
7.18%
None
$176,387
620*
ITIN, 15% down (example)
$6,016
$115,035
$651,865
8.18%
None
$138,042
Set by the lender
The option that asks for the least cash to close is Conventional, 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 Heath is $3,501 a month: 76% above the county.
HUD publishes a fair market rent for all of Rockwall 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 Rockwall 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 Heath
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Heath has 2 ZIP codes with their own.
For 2 bedrooms it runs from $2,270 in 75126 to $2,280 in 75032.
2 of the 2 are above the fair market rent for Rockwall County ($1,807).
Fair market rent by ZIP code and size in Heath, fiscal year 2027.
75032
$1,880
$1,940
$2,280
$2,870
$3,650
75126
$1,870
$1,930
$2,270
$2,860
$3,630
ZIP code2 bd3 bd
75032 $2,280$2,870
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 Heath 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 Rockwall 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 Heath or Rockwall County. The ones below are statewide in Texas: they work in Heath 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 Heath or Rockwall 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 Heath and all of Rockwall 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 Heath?
The typical home value in Heath is $766,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Rockwall County it is $415,500.
How much does it cost to rent in Heath?
Typical rent in Heath is $3,501 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Rockwall County is $1,807.
What is the FHA loan limit in Heath?
Heath uses the FHA limit for all of Rockwall 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 Heath?
The typical homeowner in Heath pays $10,001 a year, according to the U.S. Census Bureau. That is 1.3% of the home’s value; in Rockwall County, the rate is 1.54%.
Where can I find free help to buy or rent in Heath?
We found no HUD-approved counseling agencies with an office in Rockwall County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
