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City · 13,385 residents · Rusk County, Texas

Henderson , Texas

In Henderson, a typical home is worth $173,700 and typical rent is $1,007 a month. Compared with all of Rusk County, typical household income is 11% lower and the share of households that own their home is 14 points lower.

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  • Typical home value

    $173,700

    About the same as the county

    39% below Texas

    • Henderson
    • Rusk
    • Texas

  • Typical rent

    $1,007a month

    About the same as the county

    28% below Texas

    • Henderson
    • Rusk
    • Texas

  • Typical household income

    $61,285a year

    11% below the county

    22% below Texas

    • Henderson
    • Rusk
    • Texas

  • Households that own their home

    65%

    14 points below the county

    2 points above Texas

    • Henderson
    • Rusk
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$199,818
1.9% more than 12 months ago
Typical rent
$1,156 a month

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

Henderson is in Rusk 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 Rusk County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Henderson apart

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

  1. 65% of households in Henderson own their home, against 79% in Rusk County.

  2. Nearby, in Carthage, the typical rent is $797: 21% less than in Henderson ($1,007).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Henderson rose 1.9%; in Texas, it fell 1.4%.

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

The homes here

Housing in Henderson

What homes there are in Henderson, 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

In Henderson, 8 in 10 homes are single-family detached houses, about the same as in Rusk County.

Year built

Homes in Henderson are older: the typical year built is 1972; in Rusk County, 1980.

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 Rusk County is high ($541,287): at least 95% of owner-occupied homes in Henderson are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,368 a month

Rusk County: $1,441 a month

Without a mortgage

$536 a month

Rusk County: $487 a month

Owners with a mortgage

42%

Rusk County: 41%

The typical cost for an owner with a mortgage in Henderson is $1,368 a month, less than in Rusk County ($1,441); without one, $536.

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

From 2015–2019 to 2020–2024, the typical home value in Henderson rose 43%; in Rusk County, it rose 37%.

The typical rent in Henderson rose 36% over the same time; in Rusk County, it rose 33%.

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

MeasureHendersonRusk CountyTexasUnited States
Rental vacancy 18.3%8.4%7.7%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimate3.2%4.8%3.4%
People per household 2.542.652.692.53
Drive alone 85%84%71%69%
Carpool 9%9%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home Unreliable estimate5%14%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

There is more rental housing open in Henderson: 18.3% is empty and offered for rent, against 8.4% in Rusk County.

A household in Henderson has 2.54 people on average, about the same as in Rusk County (2.65).

In Henderson, 85% of workers drive alone to work; in Rusk County, 84%.

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 Henderson?

A typical home is tight for the typical income

We start with a typical home in Henderson, worth $173,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Henderson, which is $61,285 a year. For that payment to be 28% of income, a household would need to earn about $63,231 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Henderson. 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 $6,080 (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

$1,475

at 7.18% · 30 years

Loan amount
$170,553
Total interest
$245,386
Paid off in
November 2056

Includes $2,933 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,430 a month

  • Tight

    $1,430 to $1,839 a month

    Your payment · 29%

  • Hard

    more than $1,839 a month

Compared with the typical household income in Henderson ($61,285 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,475
Principal & interest$1,155
Property tax$171
Home insurance$72
FHA mortgage insurance (MIP)$77

You need at least $6,080 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

Henderson and Rusk County

Henderson is in Rusk 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).

Henderson's own numbers

Typical home value
$173,700
Typical monthly rent
$1,007
Typical yearly household income
$61,285
Households that own their home
65%
Effective property tax rate
1.18%

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

Numbers for all of Rusk County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,205
Price change over 5 years (FHFA)
+51%
Homes in a high flood-risk zone
1.8%

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 Rusk County.

Everything about Rusk County

Buying

Buying a home in Henderson

A typical home in Henderson is worth $173,700: about the same as the county and 39% below Texas. With the typical household income in Henderson ($61,285 a year), a typical home costs 2.8 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.

  • Henderson 2.8 years
  • Rusk 2.5 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Rusk County

According to FHFA’s house price index, home prices in Rusk County rose 71% in the 10 years through 2025.

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

Period County Texas U.S.
Last year (2025) +2.4% +0.8% +2.9%
5 years (2020–2025) +51% +44% +47%
10 years (2015–2025) +71% +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

Henderson next to Rusk 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
  • Henderson $173,700
  • Rusk $171,300
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Henderson $1,007
  • Rusk $1,015
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Henderson $61,285
  • Rusk $68,658
  • Texas $78,476
  • United States $80,734
See the full table
Henderson next to Rusk County and Texas
Measure Henderson Rusk County Texas U.S.
Typical home value $173,700 $171,300 $283,800 $332,700
Typical monthly rent $1,007 $1,015 $1,403 $1,413
Typical yearly household income $61,285 $68,658 $78,476 $80,734
Households that own their home 65% 79% 63% 65%
Typical yearly property tax $2,044 $1,793 $4,232 $3,119
Effective property tax rate 1.18% 1.05% 1.49% 0.94%
Renters with high rent for their income 43% 44% 52% 51%

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

For a typical $173,700 home in Henderson, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Henderson's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,475a month

    Least cash to close
    Down payment
    $6,080
    Cash to close
    $11,291
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $77

  • Conventional, 5% down $1,444a month

    Down payment
    $8,685
    Cash to close
    $13,896
    Rate
    7.18%
    Mortgage insurance
    PMI · $83

  • Conventional, 20% down, no PMI $1,185a month

    Down payment
    $34,740
    Cash to close
    $39,951
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,345a month

    Down payment
    $26,055
    Cash to close
    $31,266
    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 Henderson and for Rusk County.

Property tax

Effective rate in Henderson

1.18%of the home’s value each year

$2,044 a year for the typical owner in Henderson.

  • Henderson 1.18%
  • Rusk 1.05%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in Rusk County

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

Homes in the high-risk zone
1.8%
325
Of those, with NFIP insurance
11%
County Texas U.S.
Homes in the high-risk zone 1.8% 4.1% 3.5%
Of those, with NFIP insurance 11% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Henderson

Typical rent in Henderson is $1,007 a month: about the same as the county. In Henderson, 43% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Rusk County, by unit size. To pay the 2-bedroom one ($1,205 a month) without spending more than 30% of your income, you would need to earn $23.17 an hour working full time.

HUD fair market rent for all of Rusk 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 $839 $16.13 $33,560
1 bedroom $921 $17.71 $36,840
2 bedrooms $1,205 $23.17 $48,200
3 bedrooms $1,448 $27.85 $57,920
4 bedrooms $1,584 $30.46 $63,360

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 Henderson

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Henderson has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,150 in 75652 to $1,220 in 75654.

1 of the 2 is above the fair market rent for Rusk County ($1,205).

  • 75652 $1,150$1,380
  • 75654 $1,220$1,470

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Henderson 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?

Low-income apartments

Low-income apartments in Henderson

HUD lists 5 buildings with rents for lower incomes in Henderson. These are the largest.

  • Millpoint Townhomes 751 Kilgore Dr, Henderson 75652 76 low-income homes · 2 bd: 36 · 3 bd: 40 · In service since 2005
  • Flanagan Heights 500 Broadway St, Henderson 75652 71 homes, 70 low-income · Run by Housing Authority of Henderson · Average payment: $353 a month · Average wait: 5 months (903) 657-3444
  • Henderson Village 1400 Block of Hwy 259, Henderson 75654 80 homes, 68 low-income · In service since 2017
  • Abbington Park Sec of S. Standish Street and W. Ragley Street, Henderson 75654 64 homes, 58 low-income · For older adults, people with disabilities, families, people experiencing homelessness
  • Chalice Apartments, the 301 N Marshall St, Henderson 75652 31 low-income homes · For older adults

See all 7 buildings in Rusk County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Henderson

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

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Henderson

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

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

  • Builders of Hope

    603 Munger Ave, Dallas · 125 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (214) 920-9850

  • BCL of Texas (business and Community Lenders)

    400 S Zang Blvd Ste 1220, Dallas · 125 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (214) 688-7456

  • Operation Hope - Dallas Texas

    1150 W Kiest Blvd, Dallas · 125 miles away · Spanish

    • Mortgage delinquency workshops
    • Budget and financial counseling
    • and 3 more
    (256) 384-6720

All counseling agencies in Texas

Help in Spanish near Henderson

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 Henderson

HUD’s record names them for Henderson or Rusk County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

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

Cities

Nearby cities

The cities closest to Henderson, with the typical home value.

Everything about Rusk County Housing in Texas

Neighboring counties

If Rusk 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 Henderson.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Henderson

Short answers with the numbers for Henderson and all of Rusk 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 Henderson?

The typical home value in Henderson is $173,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Rusk County it is $171,300.

How much does it cost to rent in Henderson?

Typical rent in Henderson is $1,007 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Rusk County is $1,205.

What is the FHA loan limit in Henderson?

Henderson uses the FHA limit for all of Rusk 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 Henderson?

The typical homeowner in Henderson pays $2,044 a year, according to the U.S. Census Bureau. That is 1.18% of the home’s value; in Rusk County, the rate is 1.05%.

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

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