In Kaufman, a typical home is worth $221,800 and typical rent is $1,364 a month. Compared with all of Kaufman County, the typical home value is 31% lower, typical household income is 30% lower, and the share of households that own their home is 31 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $261,655 to $286,236.
Typical rent
$1,381a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Kaufman is in Kaufman 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 Kaufman County. See the county
What this place has that others do not, from public data, most unusual first.
1
47% of households in Kaufman own their home, against 78% in Kaufman County.
2
The typical home in Kaufman is worth $221,800,31% less than in Kaufman County as a whole ($320,900).
3
The typical household income in Kaufman is $62,931,30% less than in Kaufman County as a whole ($89,485).
4
According to Zillow, in the 12 months to September 2026 the typical home value in Kaufman rose 1.6%; in Texas, it fell 1.4%.
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Kaufman
What homes there are in Kaufman, 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
Kaufman
Kaufman County
Texas
United States
Kind of home: Kaufman and its comparisons
Measure
Kaufman
Kaufman County
Texas
United States
Detached house
72%
79%
64%
61%
Attached house
Unreliable estimate
1%
3%
6%
Building of 2 to 4
11%
3%
5%
8%
Apartments (5 or more)
Unreliable estimate
6%
21%
19%
Mobile home
Unreliable estimate
11%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Kaufman, but it weighs less than in Kaufman County: 72% against 79%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Kaufman
Kaufman County
Texas
United States
Year built: Kaufman and its comparisons
Measure
Kaufman
Kaufman County
Texas
United States
Before 1960
13%
6%
12%
26%
1960–1979
48%
11%
21%
24%
1980–1999
18%
22%
28%
25%
2000–2009
11%
24%
18%
14%
2010 or later
10%
38%
21%
11%
Homes in Kaufman are older: the typical year built is 1976; in Kaufman County, 2005.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K30%
$200K–$300K32%
$300K–$500K25%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Kaufman and its comparisons
Measure
Kaufman
Under $100K
Unreliable estimate
$100K–$200K
30%
$200K–$300K
32%
$300K–$500K
25%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,99928%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Kaufman and its comparisons
Measure
Kaufman
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
28%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,454 a month
Kaufman County: $2,257 a month
Without a mortgage
$647 a month
Kaufman County: $791 a month
Owners with a mortgage
53%
Kaufman County: 64%
The typical cost for an owner with a mortgage in Kaufman is $1,454 a month, less than in Kaufman County ($2,257); without one, $647.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Kaufman+136%
Kaufman County+80%
Texas+65%
United States+53%
Typical rent
Kaufman+44%
Kaufman County+49%
Texas+34%
United States+33%
Typical household income
KaufmanNo clear change
Kaufman County+28%
Texas+27%
United States+29%
Change since 2015–2019: Kaufman and its comparisons
Measure
Kaufman
Kaufman County
Texas
United States
Typical home value
+136%
+80%
+65%
+53%
Typical rent
+44%
+49%
+34%
+33%
Typical household income
No clear change
+28%
+27%
+29%
The typical home value in Kaufman rose 136% since 2015–2019, more than in Kaufman County (80%).
Rents in Kaufman rose more slowly than in Kaufman County: 44% since 2015–2019, against 49%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Kaufman and its comparisons
Measure
Kaufman
Kaufman County
Texas
United States
Rental vacancy
Unreliable estimate
9.2%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
0.9%
1.1%
0.9%
More than one person per room
Unreliable estimate
6.1%
4.8%
3.4%
People per household
3.18
3.36
2.69
2.53
Drive alone
75%
76%
71%
69%
Carpool
17%
9%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
Unreliable estimate
13%
14%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
Unreliable estimate
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in Kaufman has 3.18 people, fewer than in Kaufman County (3.36).
In Kaufman, 17% of workers share a car to get to work; in Kaufman County, 9%.
Do the math
What would you pay each month for a home in Kaufman?
A typical home costs more than the typical income allows
We start with a typical home in Kaufman, worth $221,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Kaufman, which is $62,931 a year. For that payment to be 28% of income, a household would need to earn about $81,771 a year.
The calculator's FHA and conventional loan limits are those of all of Kaufman 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 Kaufman. 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 $7,763 (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
$1,908
at 7.18% · 30 years
Loan amount
$217,783
Total interest
$313,338
Paid off in
November 2056
Includes $3,746 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,468 a month
Tight
$1,468 to $1,888 a month
Hard
more than $1,888 a month
Your payment · 36%
Compared with the typical household income in Kaufman ($62,931 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,475
Property tax
$242
Home insurance
$92
FHA mortgage insurance (MIP)
$98
You need at least $7,763 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 $1,908; principal and interest $1,475.
The city and its county
Kaufman and Kaufman County
Kaufman is in Kaufman 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).
Kaufman
Map of Kaufman County, Texas, with Kaufman marked. Around it, the neighboring counties.
Kaufman
Kaufman County
Other cities with a page
Kaufman's own numbers
Typical home value
$221,800
Typical monthly rent
$1,364
Typical yearly household income
$62,931
Households that own their home
47%
Effective property tax rate
1.31%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Kaufman County
FHA limit, one-unit home
$563,500
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,807
Price change over 5 years (FHFA)
+49%
Homes in a high flood-risk zone
1.2%
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 Kaufman County.
A typical home in Kaufman is worth $221,800: 31% below the county and 22% below Texas. With the typical household income in Kaufman ($62,931 a year), a typical home costs 3.5 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.
Kaufman3.5 years
County3.6 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Kaufman County
According to FHFA’s house price index, home prices in Kaufman County rose 113% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Kaufman County.
Yearly change in FHFA’s price index in Kaufman County, 2016 to 2025
2016: +9.0% +9.0% 2016
2017: +11.9% +11.9% 2017
2018: +8.2% +8.2% 2018
2019: +4.5% +4.5% 2019
2020: +3.6% +3.6% 2020
2021: +14.7% +14.7% 2021
2022: +22.9% +22.9% 2022
2023: +3.1% +3.1% 2023
2024: +1.5% +1.5% 2024
2025: +1.2% +1.2% 2025
Change in FHFA’s price index in Kaufman County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+1.2%
+0.8%
+2.9%
5 years (2020–2025)
+49%
+44%
+47%
10 years (2015–2025)
+113%
+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
Kaufman next to Kaufman 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
Kaufman$221,800
County$320,900
Texas$283,800
United States$332,700
Typical monthly rent
Kaufman$1,364
County$1,554
Texas$1,403
United States$1,413
Typical yearly household income
Kaufman$62,931
County$89,485
Texas$78,476
United States$80,734
See the full table
Kaufman next to Kaufman County and Texas
Measure
Kaufman
Kaufman County
Texas
U.S.
Typical home value
$221,800 ▼31% below the county
$320,900
$283,800
$332,700
Typical monthly rent
$1,364 ▼12% below the county
$1,554
$1,403
$1,413
Typical yearly household income
$62,931 ▼30% below the county
$89,485
$78,476
$80,734
Households that own their home
47% ▼31 points below the county
78%
63%
65%
Typical yearly property tax
$2,900 ▼46% below the county
$5,377
$4,232
$3,119
Effective property tax rate
1.31% ▼0.37 points below the county
1.68%
1.49%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Kaufman 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 Kaufman
For a typical $221,800 home in Kaufman, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kaufman's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,908a month
Least cash to close
Down payment
$7,763
Cash to close
$14,417
Rate
7.18%
Mortgage insurance
FHA MIP · $98
Conventional, 5% down$1,867a month
Down payment
$11,090
Cash to close
$17,744
Rate
7.18%
Mortgage insurance
PMI · $105
Conventional, 20% down, no PMI$1,537a month
Down payment
$44,360
Cash to close
$51,014
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,742a month
Down payment
$33,270
Cash to close
$39,924
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Kaufman
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,908
$7,763
$217,783
7.18%
FHA MIP · $98
$14,417
580
Conventional, 5% down
$1,867
$11,090
$210,710
7.18%
PMI · $105
$17,744
620*
Conventional, 20% down, no PMI
$1,537
$44,360
$177,440
7.18%
None
$51,014
620*
ITIN, 15% down (example)
$1,742
$33,270
$188,530
8.18%
None
$39,924
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 Kaufman is $1,364 a month: 12% below the county.
HUD publishes a fair market rent for all of Kaufman County, by unit size. To pay the 2-bedroom one ($1,807 a month) without spending more than 30% of your income, you would need to earn $34.75 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 Kaufman County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,491
$28.67
$59,640
1 bedroom
$1,536
$29.54
$61,440
2 bedrooms
$1,807
$34.75
$72,280
3 bedrooms
$2,275
$43.75
$91,000
4 bedrooms
$2,892
$55.62
$115,680
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 Kaufman
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kaufman is in ZIP code 75142.
For 2 bedrooms it is $1,490: $317 less than the fair market rent for Kaufman County ($1,807).
Fair market rent by ZIP code and size in Kaufman, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
75142
$1,230
$1,270
$1,490
$1,880
$2,380
ZIP code2 bd3 bd
75142 $1,490$1,880
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Kaufman 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)
HUD lists 2 buildings with rents for lower incomes in Kaufman. These are the largest.
Village of Kaufman421 E 7th St, Kaufman 7514268 low-income homes · 1 bd: 32 · 2 bd: 26 · 3 bd: 10 · In service since 2012 · For older adults, people with disabilities, families, people experiencing homelessness(972) 962-7328
Briarwood Apts513 E Sixth St, Kaufman 7514248 low-income homes · 1 bd: 24 · 2 bd: 24 · In service since 2006
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 Kaufman 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 Kaufman or Kaufman County. The ones below are statewide in Texas: they work in Kaufman 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 Kaufman or Kaufman 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 Kaufman and all of Kaufman 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 Kaufman?
The typical home value in Kaufman is $221,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Kaufman County it is $320,900.
How much does it cost to rent in Kaufman?
Typical rent in Kaufman is $1,364 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Kaufman County is $1,807.
What is the FHA loan limit in Kaufman?
Kaufman uses the FHA limit for all of Kaufman 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 Kaufman?
The typical homeowner in Kaufman pays $2,900 a year, according to the U.S. Census Bureau. That is 1.31% of the home’s value; in Kaufman County, the rate is 1.68%.
Where can I find free help to buy or rent in Kaufman?
We found no HUD-approved counseling agencies with an office in Kaufman County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
