Español

Este sitio también está en español. Leer en español

City · 8,713 residents · Medina County, Texas

Hondo , Texas

In Hondo, a typical home is worth $228,400 and typical rent is $1,460 a month. Compared with all of Medina County, typical rent is 22% higher, typical household income is 21% lower, and the share of households that own their home is 20 points lower.

WhatsApp

  • Typical home value

    $228,400

    5% below the county

    20% below Texas

    • Hondo
    • Medina
    • Texas

  • Typical rent

    $1,460a month

    22% above the county

    4% above Texas

    • Hondo
    • Medina
    • Texas

  • Typical household income

    $62,032a year

    21% below the county

    21% below Texas

    • Hondo
    • Medina
    • Texas

  • Households that own their home

    64%

    20 points below the county

    1 points above Texas

    • Hondo
    • Medina
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$265,015
1% less than 12 months ago

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

Hondo is in Medina County. The FHA loan limit ($557,750 for a one-unit home), the fair market rents and the help on this page are those of all of Medina County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Hondo apart

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

  1. Nearby, in Pearsall, the typical home value is $106,700: 53% less than in Hondo ($228,400).

  2. 64% of households in Hondo own their home, against 84% in Medina County.

  3. Nearby, in Pearsall, the typical rent is $948: 35% less than in Hondo ($1,460).

  4. The typical rent in Hondo is $1,460 a month, 22% more than in Medina County as a whole ($1,196).

  5. The typical household income in Hondo is $62,032, 21% less than in Medina County as a whole ($78,074).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Hondo

What homes there are in Hondo, 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

The detached house is the most common home in Hondo: 67% of homes, near the figure in Medina County (68%).

Year built

The typical home in Hondo was built in 1975, 21 years before the typical one in Medina County.

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
Monthly rent with utilities

With a mortgage

$1,806 a month

Medina County: $1,906 a month

Without a mortgage

$595 a month

Medina County: $596 a month

Owners with a mortgage

52%

Medina County: 50%

The typical cost for an owner with a mortgage in Hondo is $1,806 a month, less than in Medina County ($1,906); without one, $595.

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

The typical home value in Hondo rose 145% since 2015–2019, more than in Medina County (74%).

Since 2015–2019, the typical rent in Hondo rose 86%, more than in Medina County (42%).

Housing prices ran ahead of income in Hondo: typical income rose 18%, against +145% for home values and +86% for rent.

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

MeasureHondoMedina CountyTexasUnited States
Rental vacancy Unreliable estimateUnreliable estimate7.7%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimate3.6%4.8%3.4%
People per household 2.562.872.692.53
Drive alone 75%73%71%69%
Carpool 15%11%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home Unreliable estimate13%14%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.56 on average, against 2.87 in Medina County.

In Hondo, 15% of workers share a car to get to work; in Medina County, 11%.

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 Hondo?

A typical home costs more than the typical income allows

We start with a typical home in Hondo, worth $228,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 38% of the typical household income in Hondo, which is $62,032 a year. For that payment to be 28% of income, a household would need to earn about $83,225 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Hondo. 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 $7,994 (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

$1,942

at 7.18% · 30 years

Loan amount
$224,263
Total interest
$322,662
Paid off in
November 2056

Includes $3,857 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,447 a month

  • Tight

    $1,447 to $1,861 a month

  • Hard

    more than $1,861 a month

    Your payment · 38%

Compared with the typical household income in Hondo ($62,032 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,942
Principal & interest$1,519
Property tax$227
Home insurance$95
FHA mortgage insurance (MIP)$101

You need at least $7,994 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

Hondo and Medina County

Hondo is in Medina 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).

Hondo's own numbers

Typical home value
$228,400
Typical monthly rent
$1,460
Typical yearly household income
$62,032
Households that own their home
64%
Effective property tax rate
1.19%

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

Numbers for all of Medina County

FHA limit, one-unit home
$557,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,231
Price change over 5 years (FHFA)
+48%
Homes in a high flood-risk zone
7.4%

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 Medina County.

Everything about Medina County

Buying

Buying a home in Hondo

A typical home in Hondo is worth $228,400: 5% below the county and 20% below Texas. With the typical household income in Hondo ($62,032 a year), a typical home costs 3.7 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.

  • Hondo 3.7 years
  • Medina 3.1 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Medina County

According to FHFA’s house price index, home prices in Medina County rose 88% in the 10 years through 2025.

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

Period County Texas U.S.
Last year (2025) −0.3% +0.8% +2.9%
5 years (2020–2025) +48% +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

Hondo next to Medina 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
  • Hondo $228,400
  • Medina $239,600
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Hondo $1,460
  • Medina $1,196
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Hondo $62,032
  • Medina $78,074
  • Texas $78,476
  • United States $80,734
See the full table
Hondo next to Medina County and Texas
Measure Hondo Medina County Texas U.S.
Typical home value $228,400 $239,600 $283,800 $332,700
Typical monthly rent $1,460 $1,196 $1,403 $1,413
Typical yearly household income $62,032 $78,074 $78,476 $80,734
Households that own their home 64% 84% 63% 65%
Typical yearly property tax $2,713 $3,165 $4,232 $3,119
Effective property tax rate 1.19% 1.32% 1.49% 0.94%
Renters with high rent for their income 53% 51% 52% 51%

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

For a typical $228,400 home in Hondo, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hondo's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,942a month

    Least cash to close
    Down payment
    $7,994
    Cash to close
    $14,846
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $101

  • Conventional, 5% down $1,900a month

    Down payment
    $11,420
    Cash to close
    $18,272
    Rate
    7.18%
    Mortgage insurance
    PMI · $108

  • Conventional, 20% down, no PMI $1,559a month

    Down payment
    $45,680
    Cash to close
    $52,532
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,771a month

    Down payment
    $34,260
    Cash to close
    $41,112
    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 Hondo and for Medina County.

Property tax

Effective rate in Hondo

1.19%of the home’s value each year

$2,713 a year for the typical owner in Hondo.

  • Hondo 1.19%
  • Medina 1.32%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in Medina County

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

Homes in the high-risk zone
7.4%
1,422
Of those, with NFIP insurance
17%
County Texas U.S.
Homes in the high-risk zone 7.4% 4.1% 3.5%
Of those, with NFIP insurance 17% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Hondo

Typical rent in Hondo is $1,460 a month: 22% above the county. In Hondo, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Medina County, by unit size. To pay the 2-bedroom one ($1,231 a month) without spending more than 30% of your income, you would need to earn $23.67 an hour working full time.

HUD fair market rent for all of Medina 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 $935 $17.98 $37,400
1 bedroom $941 $18.10 $37,640
2 bedrooms $1,231 $23.67 $49,240
3 bedrooms $1,600 $30.77 $64,000
4 bedrooms $1,741 $33.48 $69,640

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 Hondo

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hondo is in ZIP code 78861.

For 2 bedrooms it is $1,340: $109 more than the fair market rent for Medina County ($1,231).

  • 78861 $1,340$1,740

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Hondo 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 Hondo

HUD lists 6 buildings with rents for lower incomes in Hondo. These are the largest.

  • Tuscany Court 2208 14th St, Hondo 78861 76 homes, 72 low-income · In service since 2004
  • Brian Place Apartments 231 Stagecoach Dr, Hondo 78861 40 low-income homes · 1 bd: 8 · 2 bd: 12 · 3 bd: 20 · For older adults, people with disabilities, families, people experiencing homelessness
  • Brian Place Apartments 231 Stagecoach Dr, Hondo 78861 40 low-income homes · For families (830) 741-2055
  • Hondo Brian Place Apts 231 Stagecoach Dr, Hondo 78861 39 low-income homes · In service since 2000
  • Hondo Gardens 3100 Avenue Q, Hondo 78861 32 low-income homes · 1 bd: 28 · 2 bd: 4 · For older adults, people with disabilities, families, people experiencing homelessness

See all 9 buildings in Medina County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Hondo

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

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Hondo

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

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

  • NSC (naca Counseling Subsidiary) - San Antonio, TX

    1603 Babcock Rd Suite 200, San Antonio · 37 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (210) 826-2828

  • Our Casas Resident Council, Inc.

    2300 W Commerce St Ste 218, San Antonio · 39 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (210) 354-2400

  • City of San Antonio/Dept of Neighborhood and Housing Services (DNHS)

    100 W Houston St, San Antonio · 41 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 9 more
    (210) 207-5309

All counseling agencies in Texas

Help in Spanish near Hondo

2 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 Hondo

In HUD’s record, no housing authority with an office in Medina County is named for Hondo or Medina County.

One other authority has an office in Medina County: see the list Source: HUD

Cities

Nearby cities

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

Everything about Medina County Housing in Texas

Neighboring counties

If Medina 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 Hondo.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Hondo

Short answers with the numbers for Hondo and all of Medina 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 Hondo?

The typical home value in Hondo is $228,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Medina County it is $239,600.

How much does it cost to rent in Hondo?

Typical rent in Hondo is $1,460 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Medina County is $1,231.

What is the FHA loan limit in Hondo?

Hondo uses the FHA limit for all of Medina County (2026): $557,750 for a one-unit home and $1,072,600 for a four-unit home.

How much property tax do owners pay in Hondo?

The typical homeowner in Hondo pays $2,713 a year, according to the U.S. Census Bureau. That is 1.19% of the home’s value; in Medina County, the rate is 1.32%.

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

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