In Horizon City, a typical home is worth $170,200 and typical rent is $1,280 a month. Compared with all of El Paso County, typical rent is 19% higher, typical household income is 10% higher, and the share of households that own their home is 21 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $168,183 to $222,399.
Typical rent
$1,744a month
▲ 4.7% more than 12 months ago
Typical rent from Zillow, March 2024 to September 2026: from $1,562 to $1,744.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Horizon City is in El Paso 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 El Paso County. See the county
What this place has that others do not, from public data, most unusual first.
1
85% of households in Horizon City own their home, against 64% in El Paso County.
2
Horizon City has the 14th largest share of rent-burdened renters of the 356 cities in Texas with more than 5,000 people (72%).
3
Nearby, in San Elizario, the typical home value is $110,400: 35% less than in Horizon City ($170,200).
4
Nearby, in Homestead Meadows South, the typical rent is $865: 32% less than in Horizon City ($1,280).
5
The typical rent in Horizon City is $1,280 a month, 19% more than in El Paso County as a whole ($1,079).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Horizon City
What homes there are in Horizon City, 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
Horizon City
El Paso County
Texas
United States
Kind of home: Horizon City and its comparisons
Measure
Horizon City
El Paso County
Texas
United States
Detached house
91%
68%
64%
61%
Attached house
Unreliable estimate
4%
3%
6%
Building of 2 to 4
Unreliable estimate
7%
5%
8%
Apartments (5 or more)
Unreliable estimate
16%
21%
19%
Mobile home
Unreliable estimate
5%
6%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In Horizon City, 9 in 10 homes are single-family detached houses; in El Paso County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Horizon City
El Paso County
Texas
United States
Year built: Horizon City and its comparisons
Measure
Horizon City
El Paso County
Texas
United States
Before 1960
Unreliable estimate
16%
12%
26%
1960–1979
18%
23%
21%
24%
1980–1999
17%
27%
28%
25%
2000–2009
31%
15%
18%
14%
2010 or later
32%
19%
21%
11%
Homes in Horizon City are newer: the typical year built is 2004; in El Paso County, 1988.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K10%
$100K–$200K57%
$200K–$300K29%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Horizon City and its comparisons
Measure
Horizon City
Under $100K
10%
$100K–$200K
57%
$200K–$300K
29%
$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–$999Unreliable
$1,000–$1,49937%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Horizon City and its comparisons
Measure
Horizon City
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
37%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,471 a month
El Paso County: $1,601 a month
Without a mortgage
$624 a month
El Paso County: $553 a month
Owners with a mortgage
65%
El Paso County: 53%
In Horizon City, 65% of owners have a mortgage, and their typical cost is $1,471 a month, against $1,601 in El Paso County. Without one it drops to $624.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Horizon City+40%
El Paso County+49%
Texas+65%
United States+53%
Typical rent
Horizon City+23%
El Paso County+29%
Texas+34%
United States+33%
Typical household income
Horizon CityNo clear change
El Paso County+28%
Texas+27%
United States+29%
Change since 2015–2019: Horizon City and its comparisons
Measure
Horizon City
El Paso County
Texas
United States
Typical home value
+40%
+49%
+65%
+53%
Typical rent
+23%
+29%
+34%
+33%
Typical household income
No clear change
+28%
+27%
+29%
The typical home value in Horizon City rose 40% since 2015–2019, less than in El Paso County (49%).
Since 2015–2019, the typical rent in Horizon City rose 23%, less than in El Paso County (29%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Horizon City and its comparisons
Measure
Horizon City
El Paso County
Texas
United States
Rental vacancy
Unreliable estimate
6.4%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
1.1%
1.1%
0.9%
More than one person per room
7.0%
5.3%
4.8%
3.4%
People per household
3.39
2.86
2.69
2.53
Drive alone
74%
75%
71%
69%
Carpool
17%
12%
10%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
Unreliable estimate
9%
14%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
More than one person per room: that is how 7.0% of households in Horizon City live, more than in El Paso County (5.3%).
Households in Horizon City are bigger: 3.39 people on average; in El Paso County, 2.86.
More people carpool to work in Horizon City than in El Paso County: 17% against 12%.
Do the math
What would you pay each month for a home in Horizon City?
A typical home is tight for the typical income
We start with a typical home in Horizon City, worth $170,200, 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 Horizon City, which is $65,737 a year. For that payment to be 28% of income, a household would need to earn about $70,467 a year.
The calculator's FHA and conventional loan limits are those of all of El Paso 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 Horizon City. 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 $5,957 (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
$1,644
at 7.18% · 30 years
Loan amount
$167,117
Total interest
$240,443
Paid off in
November 2056
Includes $2,874 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,534 a month
Tight
$1,534 to $1,972 a month
Your payment · 30%
Hard
more than $1,972 a month
Compared with the typical household income in Horizon City ($65,737 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,132
Property tax
$366
Home insurance
$71
FHA mortgage insurance (MIP)
$75
You need at least $5,957 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 $1,644; principal and interest $1,132.
The city and its county
Horizon City and El Paso County
Horizon City is in El Paso 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).
Horizon City
Map of El Paso County, Texas, with Horizon City marked. Around it, the neighboring counties.
Horizon City
El Paso County
Other cities with a page
Horizon City's own numbers
Typical home value
$170,200
Typical monthly rent
$1,280
Typical yearly household income
$65,737
Households that own their home
85%
Effective property tax rate
2.58%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of El Paso County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,146
Price change over 5 years (FHFA)
+57%
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 El Paso County.
A typical home in Horizon City is worth $170,200: 6% below the county and 40% below Texas. With the typical household income in Horizon City ($65,737 a year), a typical home costs 2.6 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.
Horizon City2.6 years
El Paso3.0 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in El Paso County
According to FHFA’s house price index, home prices in El Paso County rose 81% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of El Paso County.
Yearly change in FHFA’s price index in El Paso County, 2016 to 2025
2016: +1.2% +1.2% 2016
2017: +3.0% +3.0% 2017
2018: +2.7% +2.7% 2018
2019: +3.9% +3.9% 2019
2020: +4.2% +4.2% 2020
2021: +11.2% +11.2% 2021
2022: +17.1% +17.1% 2022
2023: +11.0% +11.0% 2023
2024: +5.3% +5.3% 2024
2025: +2.9% +2.9% 2025
Change in FHFA’s price index in El Paso County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+2.9%
+0.8%
+2.9%
5 years (2020–2025)
+57%
+44%
+47%
10 years (2015–2025)
+81%
+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
Horizon City next to El Paso 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
Horizon City$170,200
El Paso$180,400
Texas$283,800
United States$332,700
Typical monthly rent
Horizon City$1,280
El Paso$1,079
Texas$1,403
United States$1,413
Typical yearly household income
Horizon City$65,737
El Paso$59,806
Texas$78,476
United States$80,734
See the full table
Horizon City next to El Paso County and Texas
Measure
Horizon City
El Paso County
Texas
U.S.
Typical home value
$170,200 ▼6% below the county
$180,400
$283,800
$332,700
Typical monthly rent
$1,280 ▲19% above the county
$1,079
$1,403
$1,413
Typical yearly household income
$65,737 ▲10% above the county
$59,806
$78,476
$80,734
Households that own their home
85% ▲21 points above the county
64%
63%
65%
Typical yearly property tax
$4,399 ▲20% above the county
$3,660
$4,232
$3,119
Effective property tax rate
2.58% ▲0.55 points above the county
2.03%
1.49%
0.94%
Renters with high rent for their income
72% ▲18 points above the county
54%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below El Paso 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 Horizon City
For a typical $170,200 home in Horizon City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Horizon City's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,644a month
Least cash to close
Down payment
$5,957
Cash to close
$11,063
Rate
7.18%
Mortgage insurance
FHA MIP · $75
Conventional, 5% down$1,613a month
Down payment
$8,510
Cash to close
$13,616
Rate
7.18%
Mortgage insurance
PMI · $81
Conventional, 20% down, no PMI$1,359a month
Down payment
$34,040
Cash to close
$39,146
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,517a month
Down payment
$25,530
Cash to close
$30,636
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Horizon City
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,644
$5,957
$167,117
7.18%
FHA MIP · $75
$11,063
580
Conventional, 5% down
$1,613
$8,510
$161,690
7.18%
PMI · $81
$13,616
620*
Conventional, 20% down, no PMI
$1,359
$34,040
$136,160
7.18%
None
$39,146
620*
ITIN, 15% down (example)
$1,517
$25,530
$144,670
8.18%
None
$30,636
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 Horizon City is $1,280 a month: 19% above the county. In Horizon City, 72% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of El Paso County, by unit size. To pay the 2-bedroom one ($1,146 a month) without spending more than 30% of your income, you would need to earn $22.04 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 El Paso County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$798
$15.35
$31,920
1 bedroom
$969
$18.63
$38,760
2 bedrooms
$1,146
$22.04
$45,840
3 bedrooms
$1,559
$29.98
$62,360
4 bedrooms
$1,915
$36.83
$76,600
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 Horizon City
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Horizon City is in ZIP code 79928.
For 2 bedrooms it is $1,220: $74 more than the fair market rent for El Paso County ($1,146).
Fair market rent by ZIP code and size in Horizon City, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
79928
$850
$1,030
$1,220
$1,660
$2,040
ZIP code2 bd3 bd
79928 $1,220$1,660
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Horizon City 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.
There are 3 HUD-approved agencies with an office in El Paso County; 3 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Horizon City or El Paso County. The ones below are statewide in Texas: they work in Horizon City 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).
The HUD-approved agencies closest to the center of Horizon City, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
AY
Adults and Youth United Development Association Inc
1325 Beverly Ann Dr, San Elizario · 9 miles away · Spanish
No legal help resource on our list is for Horizon City or El Paso 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 Horizon City and all of El Paso 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 Horizon City?
The typical home value in Horizon City is $170,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in El Paso County it is $180,400.
How much does it cost to rent in Horizon City?
Typical rent in Horizon City is $1,280 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in El Paso County is $1,146.
What is the FHA loan limit in Horizon City?
Horizon City uses the FHA limit for all of El Paso 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 Horizon City?
The typical homeowner in Horizon City pays $4,399 a year, according to the U.S. Census Bureau. That is 2.58% of the home’s value; in El Paso County, the rate is 2.03%.
Where can I find free help to buy or rent in Horizon City?
There are 3 HUD-approved counseling agencies with an office in El Paso County. 3 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
