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City · 47,864 residents · Walker County, Texas

Huntsville , Texas

In Huntsville, a typical home is worth $236,600 and typical rent is $1,035 a month. Compared with all of Walker County, typical household income is 9% lower and the share of households that own their home is 15 points lower.

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  • Typical home value

    $236,600

    4% above the county

    17% below Texas

    • Huntsville
    • Walker
    • Texas

  • Typical rent

    $1,035a month

    About the same as the county

    26% below Texas

    • Huntsville
    • Walker
    • Texas

  • Typical household income

    $47,529a year

    9% below the county

    39% below Texas

    • Huntsville
    • Walker
    • Texas

  • Households that own their home

    41%

    15 points below the county

    22 points below Texas

    • Huntsville
    • Walker
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$261,025
about the same as 12 months ago
Typical rent
$1,359 a month
0.9% more than 12 months ago

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

Huntsville is in Walker 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 Walker County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Huntsville apart

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

  1. Nearby, in Willis, the typical home value is $124,300: 47% less than in Huntsville ($236,600).

  2. Huntsville has the 15th lowest homeownership rate of the 426 cities in Texas with more than 5,000 people (41%).

  3. Huntsville has the 36th lowest typical household income of the 424 cities in Texas with more than 5,000 people ($47,529).

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

The homes here

Housing in Huntsville

What homes there are in Huntsville, 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

No kind of home is the majority in Huntsville; the largest group, detached houses, adds up to 43%, less than in Walker County (51%).

Year built

By age, homes in Huntsville look like those in Walker County: the typical year built is 1986.

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

At least 96% of owner-occupied homes in Huntsville are worth less than $500,000, below the FHA loan limit for Walker County ($541,287).

Monthly rent with utilities

With a mortgage

$1,599 a month

Walker County: $1,630 a month

Without a mortgage

$629 a month

Walker County: $548 a month

Owners with a mortgage

53%

Walker County: 48%

The typical cost for an owner with a mortgage in Huntsville is $1,599 a month, near the figure in Walker County ($1,630).

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 Huntsville rose 43%; in Walker County, it rose 49%.

The typical rent in Huntsville rose 15% since 2015–2019, about the same as in Walker County (14%).

The typical household income in Huntsville rose 36% over that time; home values changed +43% and rent +15%.

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

MeasureHuntsvilleWalker CountyTexasUnited States
Rental vacancy 7.7%8.2%7.7%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimate2.9%4.8%3.4%
People per household 2.282.422.692.53
Drive alone 80%80%71%69%
Carpool 6%7%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 7%5%2%3%
Work from home 6%8%14%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Much as in Walker County, the rental vacancy rate in Huntsville is 7.7%.

Fewer people live in each home here: 2.28 on average, against 2.42 in Walker County.

To get to work, 80% of workers in Huntsville drive alone; in Walker County, 80%.

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 Huntsville?

A typical home costs more than the typical income allows

We start with a typical home in Huntsville, worth $236,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 51% of the typical household income in Huntsville, which is $47,529 a year. For that payment to be 28% of income, a household would need to earn about $87,143 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Huntsville. 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 $8,281 (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

$2,033

at 7.18% · 30 years

Loan amount
$232,315
Total interest
$334,246
Paid off in
November 2056

Includes $3,996 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,109 a month

  • Tight

    $1,109 to $1,426 a month

  • Hard

    more than $1,426 a month

    Your payment · 51%

Compared with the typical household income in Huntsville ($47,529 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,033
Principal & interest$1,574
Property tax$256
Home insurance$99
FHA mortgage insurance (MIP)$105

You need at least $8,281 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

Huntsville and Walker County

Huntsville is in Walker 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).

Huntsville's own numbers

Typical home value
$236,600
Typical monthly rent
$1,035
Typical yearly household income
$47,529
Households that own their home
41%
Effective property tax rate
1.3%

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

Numbers for all of Walker County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,227
Price change over 5 years (FHFA)
+45%
Homes in a high flood-risk zone
4.2%

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 Walker County.

Everything about Walker County

Buying

Buying a home in Huntsville

A typical home in Huntsville is worth $236,600: 4% above the county and 17% below Texas. With the typical household income in Huntsville ($47,529 a year), a typical home costs 5.0 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.

  • Huntsville 5.0 years
  • Walker 4.3 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Walker County

According to FHFA’s house price index, home prices in Walker County rose 87% in the 10 years through 2025.

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

Period County Texas U.S.
Last year (2025) +8.0% +0.8% +2.9%
5 years (2020–2025) +45% +44% +47%
10 years (2015–2025) +87% +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

Huntsville next to Walker 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
  • Huntsville $236,600
  • Walker $226,900
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Huntsville $1,035
  • Walker $1,031
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Huntsville $47,529
  • Walker $52,324
  • Texas $78,476
  • United States $80,734
See the full table
Huntsville next to Walker County and Texas
Measure Huntsville Walker County Texas U.S.
Typical home value $236,600 $226,900 $283,800 $332,700
Typical monthly rent $1,035 $1,031 $1,403 $1,413
Typical yearly household income $47,529 $52,324 $78,476 $80,734
Households that own their home 41% 56% 63% 65%
Typical yearly property tax $3,064 $2,669 $4,232 $3,119
Effective property tax rate 1.3% 1.18% 1.49% 0.94%
Renters with high rent for their income 62% 57% 52% 51%

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

For a typical $236,600 home in Huntsville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Huntsville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,033a month

    Least cash to close
    Down payment
    $8,281
    Cash to close
    $15,379
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $105

  • Conventional, 5% down $1,990a month

    Down payment
    $11,830
    Cash to close
    $18,928
    Rate
    7.18%
    Mortgage insurance
    PMI · $112

  • Conventional, 20% down, no PMI $1,637a month

    Down payment
    $47,320
    Cash to close
    $54,418
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,856a month

    Down payment
    $35,490
    Cash to close
    $42,588
    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 Huntsville and for Walker County.

Property tax

Effective rate in Huntsville

1.3%of the home’s value each year

$3,064 a year for the typical owner in Huntsville.

  • Huntsville 1.3%
  • Walker 1.18%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in Walker County

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

Homes in the high-risk zone
4.2%
872
Of those, with NFIP insurance
26%
County Texas U.S.
Homes in the high-risk zone 4.2% 4.1% 3.5%
Of those, with NFIP insurance 26% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Huntsville

Typical rent in Huntsville is $1,035 a month: about the same as the county. In Huntsville, 62% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Walker County, by unit size. To pay the 2-bedroom one ($1,227 a month) without spending more than 30% of your income, you would need to earn $23.60 an hour working full time.

HUD fair market rent for all of Walker 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 $900 $17.31 $36,000
1 bedroom $1,127 $21.67 $45,080
2 bedrooms $1,227 $23.60 $49,080
3 bedrooms $1,675 $32.21 $67,000
4 bedrooms $1,767 $33.98 $70,680

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 Huntsville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Huntsville has 4 ZIP codes with their own.

For 2 bedrooms it runs from $1,210 in 77320 to $1,230 in 77342.

3 of the 4 are above the fair market rent for Walker County ($1,227).

  • 77320 $1,210$1,640
  • 77340 $1,230$1,680
  • 77341 $1,230$1,680
  • 77342 $1,230$1,680

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

HUD lists 7 buildings with rents for lower incomes in Huntsville. These are the largest.

  • Ridgewood West Apts 2830 Lake Rd, Huntsville 77340 232 low-income homes · 1 bd: 48 · 2 bd: 112 · 3 bd: 72 · In service since 1996
  • Cedarwood Apts 2201 Bobby K Marks Dr, Huntsville 77340 68 low-income homes · For families (936) 295-6961
  • Fish Pond at Hunstville 148 Fm 247 Rd, Huntsville 77320 48 low-income homes · For older adults, people with disabilities, families, people experiencing homelessness
  • Parkview Place 1110 Avenue N, Huntsville 77340 41 low-income homes · In service since 2013 · For older adults (936) 291-6460
  • Senior Villages of Huntsville 140 Essex Blvd, Huntsville 77320 36 low-income homes · 1 bd: 22 · 2 bd: 14

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

Free help

Help to buy or rent in Huntsville

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

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Huntsville

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

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

  • NSC (naca Counseling Subsidiary) - Houston, TX

    14425 Torrey Chase Blvd Ste 200, Houston · 49 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (713) 706-3400

  • Nid-Hca Dightman

    113 N Avenue H, Humble · 52 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (281) 895-0563

  • Operation Hope - Houston TX

    10100 Katy Fwy, Houston · 63 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (832) 237-6747

All counseling agencies in Texas

Help in Spanish near Huntsville

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 Huntsville

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

  • Housing Authority of the City of Huntsville Public housing (936) 294-0277
  • Housing Authority of Walker County Section 8 vouchers (936) 291-3306

All housing agencies in Texas Source: HUD

Cities

Nearby cities

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

Everything about Walker County Housing in Texas

Neighboring counties

If Walker 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 Huntsville.

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

Questions

Housing questions about Huntsville

Short answers with the numbers for Huntsville and all of Walker 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 Huntsville?

The typical home value in Huntsville is $236,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Walker County it is $226,900.

How much does it cost to rent in Huntsville?

Typical rent in Huntsville is $1,035 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Walker County is $1,227.

What is the FHA loan limit in Huntsville?

Huntsville uses the FHA limit for all of Walker 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 Huntsville?

The typical homeowner in Huntsville pays $3,064 a year, according to the U.S. Census Bureau. That is 1.3% of the home’s value; in Walker County, the rate is 1.18%.

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

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