In Keene, a typical home is worth $225,300 and typical rent is $969 a month. Compared with all of Johnson County, typical household income is 39% lower, typical rent is 31% lower, and the share of households that own their home is 24 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $227,398 to $252,481.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Keene 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
51% of households in Keene own their home, against 75% in Johnson County.
2
The typical household income in Keene is $51,695,39% less than in Johnson County as a whole ($84,859).
3
The typical rent in Keene is $969 a month, 31% less than in Johnson County as a whole ($1,398).
4
Nearby, in Alvarado, the typical rent is $788: 19% less than in Keene ($969).
5
The typical home in Keene is worth $225,300,21% less than in Johnson County as a whole ($285,900).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Keene
What homes there are in Keene, 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
Keene
Johnson County
Texas
United States
Kind of home: Keene and its comparisons
Measure
Keene
Johnson County
Texas
United States
Detached house
47%
70%
64%
61%
Attached house
Unreliable estimate
2%
3%
6%
Building of 2 to 4
19%
5%
5%
8%
Apartments (5 or more)
Unreliable estimate
7%
21%
19%
Mobile home
15%
16%
6%
6%
Boat, RV and other
Unreliable estimate
1%
0%
0%
In Keene there is a bit of everything: no kind of home reaches half. The most common are detached houses (47%); in Johnson County, 70%.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Keene
Johnson County
Texas
United States
Year built: Keene and its comparisons
Measure
Keene
Johnson County
Texas
United States
Before 1960
Unreliable estimate
7%
12%
26%
1960–1979
30%
18%
21%
24%
1980–1999
44%
30%
28%
25%
2000–2009
15%
20%
18%
14%
2010 or later
7%
25%
21%
11%
Homes in Keene are older: the typical year built is 1985; in Johnson County, 1997.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K17%
$200K–$300K39%
$300K–$500K22%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Keene and its comparisons
Measure
Keene
Under $100K
Unreliable estimate
$100K–$200K
17%
$200K–$300K
39%
$300K–$500K
22%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99952%
$1,000–$1,49935%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Keene and its comparisons
Measure
Keene
Under $500
Unreliable estimate
$500–$999
52%
$1,000–$1,499
35%
$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
$1,566 a month
Johnson County: $2,003 a month
Without a mortgage
$546 a month
Johnson County: $608 a month
Owners with a mortgage
66%
Johnson County: 60%
The typical cost for an owner with a mortgage in Keene is $1,566 a month, less than in Johnson County ($2,003); without one, $546.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Keene+58%
Johnson County+84%
Texas+65%
United States+53%
Typical rent
Keene+16%
Johnson County+39%
Texas+34%
United States+33%
Typical household income
KeeneNo clear change
Johnson County+32%
Texas+27%
United States+29%
Change since 2015–2019: Keene and its comparisons
Measure
Keene
Johnson County
Texas
United States
Typical home value
+58%
+84%
+65%
+53%
Typical rent
+16%
+39%
+34%
+33%
Typical household income
No clear change
+32%
+27%
+29%
Homes in Keene gained value more slowly than in Johnson County: 58% since 2015–2019, against 84%.
The typical rent in Keene rose 16% over the same time; in Johnson County, it rose 39%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Keene and its comparisons
Measure
Keene
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
2.61
2.94
2.69
2.53
Drive alone
82%
84%
71%
69%
Carpool
9%
8%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
Unreliable estimate
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
Households in Keene are smaller: 2.61 people on average; in Johnson County, 2.94.
In Keene, 82% of workers drive alone to work; in Johnson County, 84%.
Do the math
What would you pay each month for a home in Keene?
A typical home costs more than the typical income allows
We start with a typical home in Keene, worth $225,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 45% of the typical household income in Keene, which is $51,695 a year. For that payment to be 28% of income, a household would need to earn about $82,417 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 Keene. 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 $7,886 (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
$1,923
at 7.18% · 30 years
Loan amount
$221,219
Total interest
$318,282
Paid off in
November 2056
Includes $3,805 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,206 a month
Tight
$1,206 to $1,551 a month
Hard
more than $1,551 a month
Your payment · 45%
Compared with the typical household income in Keene ($51,695 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,499
Property tax
$231
Home insurance
$94
FHA mortgage insurance (MIP)
$100
You need at least $7,886 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 $1,923; principal and interest $1,499.
The city and its county
Keene and Johnson County
Keene 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).
Keene
Map of Johnson County, Texas, with Keene marked. Around it, the neighboring counties.
Keene
Johnson County
Other cities with a page
Keene's own numbers
Typical home value
$225,300
Typical monthly rent
$969
Typical yearly household income
$51,695
Households that own their home
51%
Effective property tax rate
1.23%
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 Keene is worth $225,300: 21% below the county and 21% below Texas. With the typical household income in Keene ($51,695 a year), a typical home costs 4.4 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.
Keene4.4 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
Keene 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
Keene$225,300
Johnson$285,900
Texas$283,800
United States$332,700
Typical monthly rent
Keene$969
Johnson$1,398
Texas$1,403
United States$1,413
Typical yearly household income
Keene$51,695
Johnson$84,859
Texas$78,476
United States$80,734
See the full table
Keene next to Johnson County and Texas
Measure
Keene
Johnson County
Texas
U.S.
Typical home value
$225,300 ▼21% below the county
$285,900
$283,800
$332,700
Typical monthly rent
$969 ▼31% below the county
$1,398
$1,403
$1,413
Typical yearly household income
$51,695 ▼39% below the county
$84,859
$78,476
$80,734
Households that own their home
51% ▼24 points below the county
75%
63%
65%
Typical yearly property tax
$2,769 ▼22% below the county
$3,557
$4,232
$3,119
Effective property tax rate
1.23% ▼0.01 points below the county
1.24%
1.49%
0.94%
Renters with high rent for their income
51% ▼1 points below 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 Keene
For a typical $225,300 home in Keene, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Keene's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,923a month
Least cash to close
Down payment
$7,886
Cash to close
$14,645
Rate
7.18%
Mortgage insurance
FHA MIP · $100
Conventional, 5% down$1,882a month
Down payment
$11,265
Cash to close
$18,024
Rate
7.18%
Mortgage insurance
PMI · $107
Conventional, 20% down, no PMI$1,546a month
Down payment
$45,060
Cash to close
$51,819
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,754a month
Down payment
$33,795
Cash to close
$40,554
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Keene
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,923
$7,886
$221,219
7.18%
FHA MIP · $100
$14,645
580
Conventional, 5% down
$1,882
$11,265
$214,035
7.18%
PMI · $107
$18,024
620*
Conventional, 20% down, no PMI
$1,546
$45,060
$180,240
7.18%
None
$51,819
620*
ITIN, 15% down (example)
$1,754
$33,795
$191,505
8.18%
None
$40,554
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 Keene is $969 a month: 31% below the county. In Keene, 51% 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 Keene
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Keene has 3 ZIP codes with their own.
For 2 bedrooms it runs from $1,160 in 76059 to $1,530 in 76031.
None is above the fair market rent for Johnson County ($1,745).
2-bedroom fair market rent in each of the 3 ZIP codes of Keene, beside the one for Johnson County. For 2 bedrooms it runs from $1,160 in 76059 to $1,530 in 76031. None is above the fair market rent for Johnson County ($1,745).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,745
Lowest: $1,160 (76059)Highest: $1,530 (76031)
Fair market rent by ZIP code and size in Keene, fiscal year 2027.
76009
$1,260
$1,270
$1,500
$1,960
$2,460
76031
$1,280
$1,300
$1,530
$2,000
$2,510
76059
$970
$980
$1,160
$1,520
$1,910
ZIP code2 bd3 bd
76009 $1,500$1,960
76031 $1,530$2,000
76059 $1,160$1,520
3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Keene 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 Keene or Johnson County. The ones below are statewide in Texas: they work in Keene 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 Keene 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 Keene 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 Keene?
The typical home value in Keene is $225,300, 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 Keene?
Typical rent in Keene is $969 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 Keene?
Keene 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 Keene?
The typical homeowner in Keene pays $2,769 a year, according to the U.S. Census Bureau. That is 1.23% of the home’s value; in Johnson County, the rate is 1.24%.
Where can I find free help to buy or rent in Keene?
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.
