In Jacksonville, a typical home is worth $119,800 and typical rent is $908 a month. Compared with all of Cherokee County, the typical home value is 29% lower, typical household income is 16% lower, and the share of households that own their home is 13 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $170,294 to $211,492.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Jacksonville is in Cherokee 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 Cherokee County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical home in Jacksonville is worth $119,800,29% less than in Cherokee County as a whole ($169,300).
2
61% of households in Jacksonville own their home, against 74% in Cherokee County.
3
The typical household income in Jacksonville is $51,375,16% less than in Cherokee County as a whole ($61,261).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Jacksonville
What homes there are in Jacksonville, 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
Jacksonville
Cherokee County
Texas
United States
Kind of home: Jacksonville and its comparisons
Measure
Jacksonville
Cherokee County
Texas
United States
Detached house
67%
71%
64%
61%
Attached house
Unreliable estimate
1%
3%
6%
Building of 2 to 4
10%
4%
5%
8%
Apartments (5 or more)
14%
4%
21%
19%
Mobile home
7%
19%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Jacksonville, 7 in 10 homes are single-family detached houses; in Cherokee County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
Jacksonville
Cherokee County
Texas
United States
Year built: Jacksonville and its comparisons
Measure
Jacksonville
Cherokee County
Texas
United States
Before 1960
25%
18%
12%
26%
1960–1979
25%
20%
21%
24%
1980–1999
31%
31%
28%
25%
2000–2009
13%
18%
18%
14%
2010 or later
6%
14%
21%
11%
In Jacksonville, half of the homes were built before 1980; in Cherokee County, before 1987.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K37%
$100K–$200K43%
$200K–$300K9%
$300K–$500K8%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Jacksonville and its comparisons
Measure
Jacksonville
Under $100K
37%
$100K–$200K
43%
$200K–$300K
9%
$300K–$500K
8%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
At least 98% of owner-occupied homes in Jacksonville are worth less than $500,000, below the FHA loan limit for Cherokee County ($541,287).
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50010%
$500–$99972%
$1,000–$1,49912%
HUD fair market rent, 2 bedrooms: $1,062
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Jacksonville and its comparisons
Measure
Jacksonville
Under $500
10%
$500–$999
72%
$1,000–$1,499
12%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
HUD's 2-bedroom fair market rent (FMR) for Cherokee County is $1,062; about 84% of rents in Jacksonville are below it.
With a mortgage
$1,358 a month
Cherokee County: $1,593 a month
Without a mortgage
$539 a month
Cherokee County: $523 a month
Owners with a mortgage
39%
Cherokee County: 38%
Owning costs less in Jacksonville: with a mortgage, the typical cost is $1,358 a month; in Cherokee County, $1,593. Without one, $539.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Jacksonville+35%
Cherokee County+65%
Texas+65%
United States+53%
Typical rent
Jacksonville+26%
Cherokee County+28%
Texas+34%
United States+33%
Typical household income
JacksonvilleNo clear change
Cherokee County+27%
Texas+27%
United States+29%
Change since 2015–2019: Jacksonville and its comparisons
Measure
Jacksonville
Cherokee County
Texas
United States
Typical home value
+35%
+65%
+65%
+53%
Typical rent
+26%
+28%
+34%
+33%
Typical household income
No clear change
+27%
+27%
+29%
From 2015–2019 to 2020–2024, the typical home value in Jacksonville rose 35%; in Cherokee County, it rose 65%.
Rents in Jacksonville rose at about the same pace as in Cherokee County: 26% since 2015–2019, against 28%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Jacksonville and its comparisons
Measure
Jacksonville
Cherokee County
Texas
United States
Rental vacancy
Unreliable estimate
8.9%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
7.9%
5.1%
4.8%
3.4%
People per household
2.90
2.68
2.69
2.53
Drive alone
79%
74%
71%
69%
Carpool
12%
12%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
6%
11%
14%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
More households are short on space in Jacksonville: 7.9% have more than one person per room; in Cherokee County, 5.1%.
More people live in each home here: 2.90 on average, against 2.68 in Cherokee County.
The car rules in Jacksonville: 79% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.
Do the math
What would you pay each month for a home in Jacksonville?
A typical home is within reach of the typical income
We start with a typical home in Jacksonville, worth $119,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 25% of the typical household income in Jacksonville, which is $51,375 a year.
The calculator's FHA and conventional loan limits are those of all of Cherokee 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 Jacksonville. 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 $4,193 (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
$1,086
at 7.18% · 30 years
Loan amount
$117,630
Total interest
$169,242
Paid off in
November 2056
Includes $2,023 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,199 a month
Your payment · 25%
Tight
$1,199 to $1,541 a month
Hard
more than $1,541 a month
Compared with the typical household income in Jacksonville ($51,375 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$797
Property tax
$187
Home insurance
$50
FHA mortgage insurance (MIP)
$53
You need at least $4,193 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 $1,086; principal and interest $797.
The city and its county
Jacksonville and Cherokee County
Jacksonville is in Cherokee 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).
Jacksonville
Map of Cherokee County, Texas, with Jacksonville marked. Around it, the neighboring counties.
Jacksonville
Cherokee County
Other cities with a page
Jacksonville's own numbers
Typical home value
$119,800
Typical monthly rent
$908
Typical yearly household income
$51,375
Households that own their home
61%
Effective property tax rate
1.87%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Cherokee County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,062
Price change over 5 years (FHFA)
+53%
Homes in a high flood-risk zone
3.1%
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 Cherokee County.
A typical home in Jacksonville is worth $119,800: 29% below the county and 58% below Texas. With the typical household income in Jacksonville ($51,375 a year), a typical home costs 2.3 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.
Jacksonville2.3 years
Cherokee2.8 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Cherokee County
According to FHFA’s house price index, home prices in Cherokee County rose 97% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Cherokee County.
Yearly change in FHFA’s price index in Cherokee County, 2016 to 2025
2016: +6.6% +6.6% 2016
2017: +5.3% +5.3% 2017
2018: +2.9% +2.9% 2018
2019: +7.4% +7.4% 2019
2020: +4.3% +4.3% 2020
2021: +11.0% +11.0% 2021
2022: +19.6% +19.6% 2022
2023: +9.4% +9.4% 2023
2024: +0.1% +0.1% 2024
2025: +5.0% +5.0% 2025
Change in FHFA’s price index in Cherokee County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+5.0%
+0.8%
+2.9%
5 years (2020–2025)
+53%
+44%
+47%
10 years (2015–2025)
+97%
+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
Jacksonville next to Cherokee 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
Jacksonville$119,800
Cherokee$169,300
Texas$283,800
United States$332,700
Typical monthly rent
Jacksonville$908
Cherokee$933
Texas$1,403
United States$1,413
Typical yearly household income
Jacksonville$51,375
Cherokee$61,261
Texas$78,476
United States$80,734
See the full table
Jacksonville next to Cherokee County and Texas
Measure
Jacksonville
Cherokee County
Texas
U.S.
Typical home value
$119,800 ▼29% below the county
$169,300
$283,800
$332,700
Typical monthly rent
$908 ▼3% below the county
$933
$1,403
$1,413
Typical yearly household income
$51,375 ▼16% below the county
$61,261
$78,476
$80,734
Households that own their home
61% ▼13 points below the county
74%
63%
65%
Typical yearly property tax
$2,239 ▲14% above the county
$1,963
$4,232
$3,119
Effective property tax rate
1.87% ▲0.71 points above the county
1.16%
1.49%
0.94%
Renters with high rent for their income
53% ▲12 points above the county
41%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Cherokee 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 Jacksonville
For a typical $119,800 home in Jacksonville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Jacksonville's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,086a month
Least cash to close
Down payment
$4,193
Cash to close
$7,787
Rate
7.18%
Mortgage insurance
FHA MIP · $53
Conventional, 5% down$1,064a month
Down payment
$5,990
Cash to close
$9,584
Rate
7.18%
Mortgage insurance
PMI · $57
Conventional, 20% down, no PMI$886a month
Down payment
$23,960
Cash to close
$27,554
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$997a month
Down payment
$17,970
Cash to close
$21,564
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Jacksonville
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,086
$4,193
$117,630
7.18%
FHA MIP · $53
$7,787
580
Conventional, 5% down
$1,064
$5,990
$113,810
7.18%
PMI · $57
$9,584
620*
Conventional, 20% down, no PMI
$886
$23,960
$95,840
7.18%
None
$27,554
620*
ITIN, 15% down (example)
$997
$17,970
$101,830
8.18%
None
$21,564
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 Jacksonville is $908 a month: 3% below the county. In Jacksonville, 53% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Cherokee County, by unit size. To pay the 2-bedroom one ($1,062 a month) without spending more than 30% of your income, you would need to earn $20.42 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 Cherokee County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$807
$15.52
$32,280
1 bedroom
$812
$15.62
$32,480
2 bedrooms
$1,062
$20.42
$42,480
3 bedrooms
$1,351
$25.98
$54,040
4 bedrooms
$1,530
$29.42
$61,200
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 Jacksonville
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Jacksonville is in ZIP code 75766.
For 2 bedrooms it is $1,030: $32 less than the fair market rent for Cherokee County ($1,062).
Fair market rent by ZIP code and size in Jacksonville, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
75766
$780
$790
$1,030
$1,310
$1,480
ZIP code2 bd3 bd
75766 $1,030$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 Jacksonville 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 Cherokee 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 Jacksonville or Cherokee County. The ones below are statewide in Texas: they work in Jacksonville 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 Jacksonville, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
NC
NSC (naca Counseling Subsidiary) - Dallas, TX
5787 S Hampton Rd Ste 115, Dallas · 105 miles away · Spanish
No legal help resource on our list is for Jacksonville or Cherokee 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 Jacksonville and all of Cherokee 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 Jacksonville?
The typical home value in Jacksonville is $119,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cherokee County it is $169,300.
How much does it cost to rent in Jacksonville?
Typical rent in Jacksonville is $908 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cherokee County is $1,062.
What is the FHA loan limit in Jacksonville?
Jacksonville uses the FHA limit for all of Cherokee 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 Jacksonville?
The typical homeowner in Jacksonville pays $2,239 a year, according to the U.S. Census Bureau. That is 1.87% of the home’s value; in Cherokee County, the rate is 1.16%.
Where can I find free help to buy or rent in Jacksonville?
We found no HUD-approved counseling agencies with an office in Cherokee County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
