In Hidalgo, a typical home is worth $163,600 and typical rent is $842 a month. Compared with all of Hidalgo County, the typical home value is 16% higher, typical rent is 12% lower, and the share of households that own their home is 13 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $151,164 to $189,378.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Hidalgo is in Hidalgo 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 Hidalgo County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Pharr, the typical home value is $121,900: 25% less than in Hidalgo ($163,600).
2
80% of households in Hidalgo own their home, against 67% in Hidalgo County.
3
Hidalgo has the 27th lowest typical rent of the 413 cities in Texas with more than 5,000 people ($842).
4
The typical home in Hidalgo is worth $163,600,16% more than in Hidalgo County as a whole ($140,900).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Hidalgo
What homes there are in Hidalgo, 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
Hidalgo
Hidalgo County
Texas
United States
Kind of home: Hidalgo and its comparisons
Measure
Hidalgo
Hidalgo County
Texas
United States
Detached house
87%
65%
64%
61%
Attached house
Unreliable estimate
2%
3%
6%
Building of 2 to 4
Unreliable estimate
10%
5%
8%
Apartments (5 or more)
Unreliable estimate
9%
21%
19%
Mobile home
Unreliable estimate
14%
6%
6%
Boat, RV and other
Unreliable estimate
1%
0%
0%
The detached house rules in Hidalgo: 87% of homes, more than in Hidalgo County (65%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Hidalgo
Hidalgo County
Texas
United States
Year built: Hidalgo and its comparisons
Measure
Hidalgo
Hidalgo County
Texas
United States
Before 1960
Unreliable estimate
4%
12%
26%
1960–1979
Unreliable estimate
13%
21%
24%
1980–1999
31%
33%
28%
25%
2000–2009
44%
27%
18%
14%
2010 or later
22%
22%
21%
11%
The typical home in Hidalgo was built in 2004, 4 years after the typical one in Hidalgo County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K11%
$100K–$200K58%
$200K–$300K25%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Hidalgo and its comparisons
Measure
Hidalgo
Under $100K
11%
$100K–$200K
58%
$200K–$300K
25%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99939%
$1,000–$1,49938%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Hidalgo and its comparisons
Measure
Hidalgo
Under $500
Unreliable estimate
$500–$999
39%
$1,000–$1,499
38%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,224 a month
Hidalgo County: $1,486 a month
Without a mortgage
$544 a month
Hidalgo County: $472 a month
Owners with a mortgage
63%
Hidalgo County: 39%
The typical cost for an owner with a mortgage in Hidalgo is $1,224 a month, less than in Hidalgo County ($1,486); without one, $544.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Hidalgo+62%
Hidalgo County+62%
Texas+65%
United States+53%
Typical rent
HidalgoNo clear change
Hidalgo County+30%
Texas+34%
United States+33%
Typical household income
Hidalgo+77%
Hidalgo County+36%
Texas+27%
United States+29%
Change since 2015–2019: Hidalgo and its comparisons
Measure
Hidalgo
Hidalgo County
Texas
United States
Typical home value
+62%
+62%
+65%
+53%
Typical rent
No clear change
+30%
+34%
+33%
Typical household income
+77%
+36%
+27%
+29%
From 2015–2019 to 2020–2024, home values in Hidalgo rose at about the same pace as in Hidalgo County: 62% against 62%.
Since 2015–2019, the typical rent in Hidalgo did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Hidalgo and its comparisons
Measure
Hidalgo
Hidalgo County
Texas
United States
Rental vacancy
Unreliable estimate
6.7%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
1.3%
1.1%
0.9%
More than one person per room
10.3%
10.9%
4.8%
3.4%
People per household
3.70
3.27
2.69
2.53
Drive alone
79%
75%
71%
69%
Carpool
13%
11%
10%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
6%
9%
14%
15%
Other means
Unreliable estimate
4%
2%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
More than one person per room: that is how 10.3% of households in Hidalgo live, near the figure in Hidalgo County (10.9%).
On average, a household in Hidalgo has 3.70 people, more than in Hidalgo County (3.27).
To get to work, 79% of workers in Hidalgo drive alone; in Hidalgo County, 75%.
Do the math
What would you pay each month for a home in Hidalgo?
A typical home is tight for the typical income
We start with a typical home in Hidalgo, worth $163,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Hidalgo, which is $59,441 a year. For that payment to be 28% of income, a household would need to earn about $64,346 a year.
The calculator's FHA and conventional loan limits are those of all of Hidalgo 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 Hidalgo. 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 $5,726 (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
$1,501
at 7.18% · 30 years
Loan amount
$160,637
Total interest
$231,119
Paid off in
November 2056
Includes $2,763 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,387 a month
Tight
$1,387 to $1,783 a month
Your payment · 30%
Hard
more than $1,783 a month
Compared with the typical household income in Hidalgo ($59,441 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,088
Property tax
$273
Home insurance
$68
FHA mortgage insurance (MIP)
$72
You need at least $5,726 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 $1,501; principal and interest $1,088.
The city and its county
Hidalgo and Hidalgo County
Hidalgo is in Hidalgo 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).
Hidalgo
Map of Hidalgo County, Texas, with Hidalgo marked. Around it, the neighboring counties.
Hidalgo
Hidalgo County
Other cities with a page
Hidalgo's own numbers
Typical home value
$163,600
Typical monthly rent
$842
Typical yearly household income
$59,441
Households that own their home
80%
Effective property tax rate
2%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Hidalgo County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,017
Price change over 5 years (FHFA)
+56%
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 Hidalgo County.
A typical home in Hidalgo is worth $163,600: 16% above the county and 42% below Texas. With the typical household income in Hidalgo ($59,441 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.
Hidalgo2.8 years
County2.6 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Hidalgo County
According to FHFA’s house price index, home prices in Hidalgo County rose 88% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Hidalgo County.
Yearly change in FHFA’s price index in Hidalgo County, 2016 to 2025
2016: +3.6% +3.6% 2016
2017: +3.6% +3.6% 2017
2018: +4.0% +4.0% 2018
2019: +3.5% +3.5% 2019
2020: +4.4% +4.4% 2020
2021: +10.0% +10.0% 2021
2022: +17.9% +17.9% 2022
2023: +11.0% +11.0% 2023
2024: +4.3% +4.3% 2024
2025: +4.1% +4.1% 2025
Change in FHFA’s price index in Hidalgo County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+4.1%
+0.8%
+2.9%
5 years (2020–2025)
+56%
+44%
+47%
10 years (2015–2025)
+88%
+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
Hidalgo next to Hidalgo 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
Hidalgo$163,600
County$140,900
Texas$283,800
United States$332,700
Typical monthly rent
Hidalgo$842
County$957
Texas$1,403
United States$1,413
Typical yearly household income
Hidalgo$59,441
County$54,338
Texas$78,476
United States$80,734
See the full table
Hidalgo next to Hidalgo County and Texas
Measure
Hidalgo
Hidalgo County
Texas
U.S.
Typical home value
$163,600 ▲16% above the county
$140,900
$283,800
$332,700
Typical monthly rent
$842 ▼12% below the county
$957
$1,403
$1,413
Typical yearly household income
$59,441 ▲9% above the county
$54,338
$78,476
$80,734
Households that own their home
80% ▲13 points above the county
67%
63%
65%
Typical yearly property tax
$3,264 ▲43% above the county
$2,279
$4,232
$3,119
Effective property tax rate
2% ▲0.38 points above the county
1.62%
1.49%
0.94%
Renters with high rent for their income
45% ▼4 points below the county
49%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Hidalgo 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 Hidalgo
For a typical $163,600 home in Hidalgo, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hidalgo's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,501a month
Least cash to close
Down payment
$5,726
Cash to close
$10,634
Rate
7.18%
Mortgage insurance
FHA MIP · $72
Conventional, 5% down$1,471a month
Down payment
$8,180
Cash to close
$13,088
Rate
7.18%
Mortgage insurance
PMI · $78
Conventional, 20% down, no PMI$1,227a month
Down payment
$32,720
Cash to close
$37,628
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,379a month
Down payment
$24,540
Cash to close
$29,448
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Hidalgo
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,501
$5,726
$160,637
7.18%
FHA MIP · $72
$10,634
580
Conventional, 5% down
$1,471
$8,180
$155,420
7.18%
PMI · $78
$13,088
620*
Conventional, 20% down, no PMI
$1,227
$32,720
$130,880
7.18%
None
$37,628
620*
ITIN, 15% down (example)
$1,379
$24,540
$139,060
8.18%
None
$29,448
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 Hidalgo is $842 a month: 12% below the county. In Hidalgo, 45% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Hidalgo County, by unit size. To pay the 2-bedroom one ($1,017 a month) without spending more than 30% of your income, you would need to earn $19.56 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 Hidalgo County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$801
$15.40
$32,040
1 bedroom
$806
$15.50
$32,240
2 bedrooms
$1,017
$19.56
$40,680
3 bedrooms
$1,305
$25.10
$52,200
4 bedrooms
$1,439
$27.67
$57,560
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 Hidalgo
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hidalgo is in ZIP code 78557.
For 2 bedrooms it is $1,010: $7 less than the fair market rent for Hidalgo County ($1,017).
Fair market rent by ZIP code and size in Hidalgo, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
78557
$800
$800
$1,010
$1,310
$1,440
ZIP code2 bd3 bd
78557 $1,010$1,310
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Hidalgo 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 2 buildings with rents for lower incomes in Hidalgo. These are the largest.
Avanti Valley ViewNWC S Jackson RD & E Granjeno, Hidalgo 7855780 homes, 68 low-income · For older adults, people with disabilities, families, people experiencing homelessness
Old Fort Highway Apts1101 E Pirate DR, Hidalgo 7855739 low-income homes · In service since 1994
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.
There is 1 HUD-approved agency with an office in Hidalgo County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Hidalgo or Hidalgo County. The ones below are statewide in Texas: they work in Hidalgo 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 Hidalgo or Hidalgo 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 Hidalgo and all of Hidalgo 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 Hidalgo?
The typical home value in Hidalgo is $163,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hidalgo County it is $140,900.
How much does it cost to rent in Hidalgo?
Typical rent in Hidalgo is $842 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hidalgo County is $1,017.
What is the FHA loan limit in Hidalgo?
Hidalgo uses the FHA limit for all of Hidalgo 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 Hidalgo?
The typical homeowner in Hidalgo pays $3,264 a year, according to the U.S. Census Bureau. That is 2% of the home’s value; in Hidalgo County, the rate is 1.62%.
Where can I find free help to buy or rent in Hidalgo?
There is 1 HUD-approved counseling agency with an office in Hidalgo County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
