In Joshua, a typical home is worth $338,100 and typical rent is $1,361 a month. Compared with all of Johnson County, typical household income is 20% lower, the typical home value is 18% higher, and the share of households that own their home is 12 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $304,622 to $351,559.
Typical rent
$1,824a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Joshua is in Johnson County. The FHA loan limit ($563,500 for a one-unit home), the fair market rents and the help on this page are those of all of Johnson County. See the county
What this place has that others do not, from public data, most unusual first.
1
Joshua has the 4th largest share of rent-burdened renters of the 356 cities in Texas with more than 5,000 people (82%).
2
Nearby, in Alvarado, the typical rent is $788: 42% less than in Joshua ($1,361).
3
Nearby, in Cleburne, the typical home value is $221,100: 35% less than in Joshua ($338,100).
4
63% of households in Joshua own their home, against 75% in Johnson County.
5
The typical household income in Joshua is $68,117,20% less than in Johnson County as a whole ($84,859).
6
The typical home in Joshua is worth $338,100,18% more than in Johnson County as a whole ($285,900).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Joshua
What homes there are in Joshua, 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
Joshua
Johnson County
Texas
United States
Kind of home: Joshua and its comparisons
Measure
Joshua
Johnson County
Texas
United States
Detached house
69%
70%
64%
61%
Attached house
Unreliable estimate
2%
3%
6%
Building of 2 to 4
Unreliable estimate
5%
5%
8%
Apartments (5 or more)
Unreliable estimate
7%
21%
19%
Mobile home
Unreliable estimate
16%
6%
6%
Boat, RV and other
Unreliable estimate
1%
0%
0%
As in Johnson County, most homes in Joshua are detached houses (69%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Joshua
Johnson County
Texas
United States
Year built: Joshua and its comparisons
Measure
Joshua
Johnson County
Texas
United States
Before 1960
Unreliable estimate
7%
12%
26%
1960–1979
Unreliable estimate
18%
21%
24%
1980–1999
39%
30%
28%
25%
2000–2009
13%
20%
18%
14%
2010 or later
32%
25%
21%
11%
In Joshua, half of the homes were built before 1997; in Johnson County, before 1997.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K24%
$300K–$500K46%
$500K–$750K15%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Joshua and its comparisons
Measure
Joshua
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
24%
$300K–$500K
46%
$500K–$750K
15%
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,99935%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Joshua and its comparisons
Measure
Joshua
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
35%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$2,237 a month
Johnson County: $2,003 a month
Without a mortgage
$743 a month
Johnson County: $608 a month
Owners with a mortgage
73%
Johnson County: 60%
In Joshua, 73% of owners have a mortgage, and their typical cost is $2,237 a month, against $2,003 in Johnson County. Without one it drops to $743.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Joshua+86%
Johnson County+84%
Texas+65%
United States+53%
Typical rent
Joshua+37%
Johnson County+39%
Texas+34%
United States+33%
Typical household income
JoshuaNo clear change
Johnson County+32%
Texas+27%
United States+29%
Change since 2015–2019: Joshua and its comparisons
Measure
Joshua
Johnson County
Texas
United States
Typical home value
+86%
+84%
+65%
+53%
Typical rent
+37%
+39%
+34%
+33%
Typical household income
No clear change
+32%
+27%
+29%
The typical home value in Joshua rose 86% since 2015–2019, about the same as in Johnson County (84%).
Rents in Joshua rose at about the same pace as in Johnson County: 37% since 2015–2019, against 39%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Joshua and its comparisons
Measure
Joshua
Johnson County
Texas
United States
Rental vacancy
Unreliable estimate
7.1%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
2.0%
1.1%
0.9%
More than one person per room
Unreliable estimate
4.3%
4.8%
3.4%
People per household
2.67
2.94
2.69
2.53
Drive alone
85%
84%
71%
69%
Carpool
Unreliable estimate
8%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
8%
7%
14%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
Unreliable estimate
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in Joshua has 2.67 people, fewer than in Johnson County (2.94).
In Joshua, 85% of workers drive alone to work; in Johnson County, 84%.
Do the math
What would you pay each month for a home in Joshua?
A typical home costs more than the typical income allows
We start with a typical home in Joshua, worth $338,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 53% of the typical household income in Joshua, which is $68,117 a year. For that payment to be 28% of income, a household would need to earn about $129,235 a year.
The calculator's FHA and conventional loan limits are those of all of Johnson 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 Joshua. 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 $11,834 (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
$3,016
at 7.18% · 30 years
Loan amount
$331,976
Total interest
$477,635
Paid off in
November 2056
Includes $5,710 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,589 a month
Tight
$1,589 to $2,044 a month
Hard
more than $2,044 a month
Your payment · 53%
Compared with the typical household income in Joshua ($68,117 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,249
Property tax
$476
Home insurance
$141
FHA mortgage insurance (MIP)
$150
You need at least $11,834 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 $3,016; principal and interest $2,249.
The city and its county
Joshua and Johnson County
Joshua is in Johnson 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).
Joshua
Map of Johnson County, Texas, with Joshua marked. Around it, the neighboring counties.
Joshua
Johnson County
Other cities with a page
Joshua's own numbers
Typical home value
$338,100
Typical monthly rent
$1,361
Typical yearly household income
$68,117
Households that own their home
63%
Effective property tax rate
1.69%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Johnson County
FHA limit, one-unit home
$563,500
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,745
Price change over 5 years (FHFA)
+50%
Homes in a high flood-risk zone
2.3%
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 Johnson County.
A typical home in Joshua is worth $338,100: 18% above the county and 19% above Texas. With the typical household income in Joshua ($68,117 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.
Joshua5.0 years
Johnson3.4 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Johnson County
According to FHFA’s house price index, home prices in Johnson County rose 114% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Johnson County.
Yearly change in FHFA’s price index in Johnson County, 2016 to 2025
2016: +8.5% +8.5% 2016
2017: +10.1% +10.1% 2017
2018: +8.1% +8.1% 2018
2019: +6.8% +6.8% 2019
2020: +3.7% +3.7% 2020
2021: +14.5% +14.5% 2021
2022: +22.3% +22.3% 2022
2023: +3.8% +3.8% 2023
2024: +3.0% +3.0% 2024
2025: +0.1% +0.1% 2025
Change in FHFA’s price index in Johnson County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+0.1%
+0.8%
+2.9%
5 years (2020–2025)
+50%
+44%
+47%
10 years (2015–2025)
+114%
+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
Joshua next to Johnson 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
Joshua$338,100
Johnson$285,900
Texas$283,800
United States$332,700
Typical monthly rent
Joshua$1,361
Johnson$1,398
Texas$1,403
United States$1,413
Typical yearly household income
Joshua$68,117
Johnson$84,859
Texas$78,476
United States$80,734
See the full table
Joshua next to Johnson County and Texas
Measure
Joshua
Johnson County
Texas
U.S.
Typical home value
$338,100 ▲18% above the county
$285,900
$283,800
$332,700
Typical monthly rent
$1,361 ▼3% below the county
$1,398
$1,403
$1,413
Typical yearly household income
$68,117 ▼20% below the county
$84,859
$78,476
$80,734
Households that own their home
63% ▼12 points below the county
75%
63%
65%
Typical yearly property tax
$5,726 ▲61% above the county
$3,557
$4,232
$3,119
Effective property tax rate
1.69% ▲0.45 points above the county
1.24%
1.49%
0.94%
Renters with high rent for their income
82% ▲30 points above the county
52%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Johnson 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 Joshua
For a typical $338,100 home in Joshua, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Joshua's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,015a month
Least cash to close
Down payment
$11,834
Cash to close
$21,977
Rate
7.18%
Mortgage insurance
FHA MIP · $150
Conventional, 5% down$2,954a month
Down payment
$16,905
Cash to close
$27,048
Rate
7.18%
Mortgage insurance
PMI · $161
Conventional, 20% down, no PMI$2,449a month
Down payment
$67,620
Cash to close
$77,763
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,762a month
Down payment
$50,715
Cash to close
$60,858
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Joshua
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,015
$11,834
$331,976
7.18%
FHA MIP · $150
$21,977
580
Conventional, 5% down
$2,954
$16,905
$321,195
7.18%
PMI · $161
$27,048
620*
Conventional, 20% down, no PMI
$2,449
$67,620
$270,480
7.18%
None
$77,763
620*
ITIN, 15% down (example)
$2,762
$50,715
$287,385
8.18%
None
$60,858
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 Joshua is $1,361 a month: 3% below the county. In Joshua, 82% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Johnson County, by unit size. To pay the 2-bedroom one ($1,745 a month) without spending more than 30% of your income, you would need to earn $33.56 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 Johnson County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,461
$28.10
$58,440
1 bedroom
$1,481
$28.48
$59,240
2 bedrooms
$1,745
$33.56
$69,800
3 bedrooms
$2,284
$43.92
$91,360
4 bedrooms
$2,866
$55.12
$114,640
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 Joshua
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Joshua is in ZIP code 76058.
For 2 bedrooms it is $1,650: $95 less than the fair market rent for Johnson County ($1,745).
Fair market rent by ZIP code and size in Joshua, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
76058
$1,380
$1,400
$1,650
$2,160
$2,710
ZIP code2 bd3 bd
76058 $1,650$2,160
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Joshua 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 Johnson 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 Joshua or Johnson County. The ones below are statewide in Texas: they work in Joshua 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 Joshua or Johnson 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 Joshua and all of Johnson 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 Joshua?
The typical home value in Joshua is $338,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Johnson County it is $285,900.
How much does it cost to rent in Joshua?
Typical rent in Joshua is $1,361 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Johnson County is $1,745.
What is the FHA loan limit in Joshua?
Joshua uses the FHA limit for all of Johnson County (2026): $563,500 for a one-unit home and $1,083,650 for a four-unit home.
How much property tax do owners pay in Joshua?
The typical homeowner in Joshua pays $5,726 a year, according to the U.S. Census Bureau. That is 1.69% of the home’s value; in Johnson County, the rate is 1.24%.
Where can I find free help to buy or rent in Joshua?
We found no HUD-approved counseling agencies with an office in Johnson County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
