In Hillsboro, a typical home is worth $157,900 and typical rent is $980 a month. Compared with all of Hill County, typical household income is 13% lower, the typical home value is 12% lower, and the share of households that own their home is 24 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $167,041 to $203,149.
Typical rent
$1,398a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Hillsboro is in Hill 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 Hill County. See the county
What this place has that others do not, from public data, most unusual first.
1
54% of households in Hillsboro own their home, against 78% in Hill County.
2
Nearby, in Alvarado, the typical rent is $788: 20% less than in Hillsboro ($980).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Hillsboro
What homes there are in Hillsboro, 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
Hillsboro
Hill County
Texas
United States
Kind of home: Hillsboro and its comparisons
Measure
Hillsboro
Hill County
Texas
United States
Detached house
74%
73%
64%
61%
Attached house
Unreliable estimate
1%
3%
6%
Building of 2 to 4
Unreliable estimate
3%
5%
8%
Apartments (5 or more)
18%
5%
21%
19%
Mobile home
Unreliable estimate
16%
6%
6%
Boat, RV and other
Unreliable estimate
1%
0%
0%
The detached house is the most common home in Hillsboro: 74% of homes, near the figure in Hill County (73%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Hillsboro
Hill County
Texas
United States
Year built: Hillsboro and its comparisons
Measure
Hillsboro
Hill County
Texas
United States
Before 1960
38%
24%
12%
26%
1960–1979
24%
21%
21%
24%
1980–1999
30%
28%
28%
25%
2000–2009
Unreliable estimate
13%
18%
14%
2010 or later
Unreliable estimate
14%
21%
11%
In Hillsboro, half of the homes were built before 1970; in Hill County, before 1984.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K36%
$100K–$200K23%
$200K–$300K29%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Hillsboro and its comparisons
Measure
Hillsboro
Under $100K
36%
$100K–$200K
23%
$200K–$300K
29%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99945%
$1,000–$1,49930%
$1,500–$1,99915%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Hillsboro and its comparisons
Measure
Hillsboro
Under $500
Unreliable estimate
$500–$999
45%
$1,000–$1,499
30%
$1,500–$1,999
15%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,603 a month
Hill County: $1,584 a month
Without a mortgage
$564 a month
Hill County: $549 a month
Owners with a mortgage
41%
Hill County: 40%
The typical cost for an owner with a mortgage in Hillsboro is $1,603 a month, near the figure in Hill County ($1,584).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Hillsboro+91%
Hill County+73%
Texas+65%
United States+53%
Typical rent
Hillsboro+24%
Hill County+23%
Texas+34%
United States+33%
Typical household income
Hillsboro+26%
Hill County+21%
Texas+27%
United States+29%
Change since 2015–2019: Hillsboro and its comparisons
Measure
Hillsboro
Hill County
Texas
United States
Typical home value
+91%
+73%
+65%
+53%
Typical rent
+24%
+23%
+34%
+33%
Typical household income
+26%
+21%
+27%
+29%
From 2015–2019 to 2020–2024, the typical home value in Hillsboro rose 91%; in Hill County, it rose 73%.
The typical rent in Hillsboro rose 24% since 2015–2019, about the same as in Hill County (23%).
While home values in Hillsboro changed +91% and rent +24%, the typical household income rose 26%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Hillsboro and its comparisons
Measure
Hillsboro
Hill County
Texas
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
1.2%
1.1%
0.9%
More than one person per room
Unreliable estimate
3.0%
4.8%
3.4%
People per household
2.82
2.66
2.69
2.53
Drive alone
80%
79%
71%
69%
Carpool
13%
11%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
3%
7%
14%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
On average, a household in Hillsboro has 2.82 people, more than in Hill County (2.66).
To get to work, 80% of workers in Hillsboro drive alone; in Hill County, 79%.
Do the math
What would you pay each month for a home in Hillsboro?
A typical home is tight for the typical income
We start with a typical home in Hillsboro, worth $157,900, 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 Hillsboro, which is $56,083 a year. For that payment to be 28% of income, a household would need to earn about $59,792 a year.
The calculator's FHA and conventional loan limits are those of all of Hill 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 Hillsboro. 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 $5,527 (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
$1,395
at 7.18% · 30 years
Loan amount
$155,040
Total interest
$223,066
Paid off in
November 2056
Includes $2,667 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,309 a month
Tight
$1,309 to $1,682 a month
Your payment · 30%
Hard
more than $1,682 a month
Compared with the typical household income in Hillsboro ($56,083 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,050
Property tax
$209
Home insurance
$66
FHA mortgage insurance (MIP)
$70
You need at least $5,527 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 $1,395; principal and interest $1,050.
The city and its county
Hillsboro and Hill County
Hillsboro is in Hill 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).
Hillsboro
Map of Hill County, Texas, with Hillsboro marked. Around it, the neighboring counties.
Hillsboro
Hill County
Other cities with a page
Hillsboro's own numbers
Typical home value
$157,900
Typical monthly rent
$980
Typical yearly household income
$56,083
Households that own their home
54%
Effective property tax rate
1.59%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Hill County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,080
Price change over 5 years (FHFA)
+66%
Homes in a high flood-risk zone
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 Hill County.
A typical home in Hillsboro is worth $157,900: 12% below the county and 44% below Texas. With the typical household income in Hillsboro ($56,083 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.
Hillsboro2.8 years
Hill2.8 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Hill County
According to FHFA’s house price index, home prices in Hill County rose 130% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Hill County.
Yearly change in FHFA’s price index in Hill County, 2016 to 2025
2016: +2.2% +2.2% 2016
2017: +10.3% +10.3% 2017
2018: +11.8% +11.8% 2018
2019: +2.9% +2.9% 2019
2020: +7.1% +7.1% 2020
2021: +14.8% +14.8% 2021
2022: +19.7% +19.7% 2022
2023: +14.2% +14.2% 2023
2024: +2.4% +2.4% 2024
2025: +3.3% +3.3% 2025
Change in FHFA’s price index in Hill County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+3.3%
+0.8%
+2.9%
5 years (2020–2025)
+66%
+44%
+47%
10 years (2015–2025)
+130%
+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
Hillsboro next to Hill 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
Hillsboro$157,900
Hill$179,200
Texas$283,800
United States$332,700
Typical monthly rent
Hillsboro$980
Hill$946
Texas$1,403
United States$1,413
Typical yearly household income
Hillsboro$56,083
Hill$64,591
Texas$78,476
United States$80,734
See the full table
Hillsboro next to Hill County and Texas
Measure
Hillsboro
Hill County
Texas
U.S.
Typical home value
$157,900 ▼12% below the county
$179,200
$283,800
$332,700
Typical monthly rent
$980 ▲4% above the county
$946
$1,403
$1,413
Typical yearly household income
$56,083 ▼13% below the county
$64,591
$78,476
$80,734
Households that own their home
54% ▼24 points below the county
78%
63%
65%
Typical yearly property tax
$2,510 ▲21% above the county
$2,078
$4,232
$3,119
Effective property tax rate
1.59% ▲0.43 points above the county
1.16%
1.49%
0.94%
Renters with high rent for their income
58% ▲5 points above the county
53%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Hill 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 Hillsboro
For a typical $157,900 home in Hillsboro, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hillsboro's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,395a month
Least cash to close
Down payment
$5,527
Cash to close
$10,264
Rate
7.18%
Mortgage insurance
FHA MIP · $70
Conventional, 5% down$1,366a month
Down payment
$7,895
Cash to close
$12,632
Rate
7.18%
Mortgage insurance
PMI · $75
Conventional, 20% down, no PMI$1,131a month
Down payment
$31,580
Cash to close
$36,317
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,277a month
Down payment
$23,685
Cash to close
$28,422
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Hillsboro
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,395
$5,527
$155,040
7.18%
FHA MIP · $70
$10,264
580
Conventional, 5% down
$1,366
$7,895
$150,005
7.18%
PMI · $75
$12,632
620*
Conventional, 20% down, no PMI
$1,131
$31,580
$126,320
7.18%
None
$36,317
620*
ITIN, 15% down (example)
$1,277
$23,685
$134,215
8.18%
None
$28,422
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 Hillsboro is $980 a month: 4% above the county. In Hillsboro, 58% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Hill County, by unit size. To pay the 2-bedroom one ($1,080 a month) without spending more than 30% of your income, you would need to earn $20.77 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 Hill County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$788
$15.15
$31,520
1 bedroom
$858
$16.50
$34,320
2 bedrooms
$1,080
$20.77
$43,200
3 bedrooms
$1,495
$28.75
$59,800
4 bedrooms
$1,699
$32.67
$67,960
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 Hillsboro
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hillsboro is in ZIP code 76645.
For 2 bedrooms it is $1,100: $20 more than the fair market rent for Hill County ($1,080).
Fair market rent by ZIP code and size in Hillsboro, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
76645
$800
$870
$1,100
$1,520
$1,730
ZIP code2 bd3 bd
76645 $1,100$1,520
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Hillsboro 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 Hill 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 Hillsboro or Hill County. The ones below are statewide in Texas: they work in Hillsboro 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 Hillsboro or Hill 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 Hillsboro and all of Hill 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 Hillsboro?
The typical home value in Hillsboro is $157,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hill County it is $179,200.
How much does it cost to rent in Hillsboro?
Typical rent in Hillsboro is $980 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hill County is $1,080.
What is the FHA loan limit in Hillsboro?
Hillsboro uses the FHA limit for all of Hill 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 Hillsboro?
The typical homeowner in Hillsboro pays $2,510 a year, according to the U.S. Census Bureau. That is 1.59% of the home’s value; in Hill County, the rate is 1.16%.
Where can I find free help to buy or rent in Hillsboro?
We found no HUD-approved counseling agencies with an office in Hill County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
