In Kilgore, a typical home is worth $171,600 and typical rent is $1,010 a month. Compared with all of Gregg County, the typical home value is 16% lower, typical rent is 8% lower, and the share of households that own their home is 11 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $173,230 to $212,644.
Typical rent
$1,344a month
▲ 1.2% more than 12 months ago
Typical rent from Zillow, June 2025 to September 2026: from $1,281 to $1,344.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Kilgore is in Gregg 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 Gregg County. See the county
What this place has that others do not, from public data, most unusual first.
1
71% of households in Kilgore own their home, against 60% in Gregg County.
2
The typical home in Kilgore is worth $171,600,16% less than in Gregg County as a whole ($203,400).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Kilgore
What homes there are in Kilgore, 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
Kilgore
Gregg County
Texas
United States
Kind of home: Kilgore and its comparisons
Measure
Kilgore
Gregg County
Texas
United States
Detached house
80%
64%
64%
61%
Attached house
Unreliable estimate
2%
3%
6%
Building of 2 to 4
Unreliable estimate
10%
5%
8%
Apartments (5 or more)
Unreliable estimate
16%
21%
19%
Mobile home
7%
8%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Kilgore, 8 in 10 homes are single-family detached houses; in Gregg County, 6.
Year built
Before 19601960–19791980–19992000–20092010 or later
Kilgore
Gregg County
Texas
United States
Year built: Kilgore and its comparisons
Measure
Kilgore
Gregg County
Texas
United States
Before 1960
34%
15%
12%
26%
1960–1979
27%
35%
21%
24%
1980–1999
20%
28%
28%
25%
2000–2009
13%
11%
18%
14%
2010 or later
5%
11%
21%
11%
In Kilgore, half of the homes were built before 1973; in Gregg County, before 1980.
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 $100K23%
$100K–$200K34%
$200K–$300K22%
$300K–$500K19%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Kilgore and its comparisons
Measure
Kilgore
Under $100K
23%
$100K–$200K
34%
$200K–$300K
22%
$300K–$500K
19%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
At least 98% of owner-occupied homes in Kilgore are worth less than $500,000, below the FHA loan limit for Gregg County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99943%
$1,000–$1,49943%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Kilgore and its comparisons
Measure
Kilgore
Under $500
Unreliable estimate
$500–$999
43%
$1,000–$1,499
43%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$1,736 a month
Gregg County: $1,541 a month
Without a mortgage
$514 a month
Gregg County: $563 a month
Owners with a mortgage
47%
Gregg County: 49%
Owning costs more in Kilgore: with a mortgage, the typical cost is $1,736 a month; in Gregg County, $1,541. Without one, $514.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Kilgore+40%
Gregg County+49%
Texas+65%
United States+53%
Typical rent
KilgoreNo clear change
Gregg County+29%
Texas+34%
United States+33%
Typical household income
KilgoreNo clear change
Gregg County+33%
Texas+27%
United States+29%
Change since 2015–2019: Kilgore and its comparisons
Measure
Kilgore
Gregg County
Texas
United States
Typical home value
+40%
+49%
+65%
+53%
Typical rent
No clear change
+29%
+34%
+33%
Typical household income
No clear change
+33%
+27%
+29%
Homes in Kilgore gained value more slowly than in Gregg County: 40% since 2015–2019, against 49%.
Since 2015–2019, the typical rent in Kilgore did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Kilgore and its comparisons
Measure
Kilgore
Gregg County
Texas
United States
Rental vacancy
Unreliable estimate
5.3%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
7.2%
3.5%
4.8%
3.4%
People per household
2.86
2.51
2.69
2.53
Drive alone
82%
82%
71%
69%
Carpool
8%
9%
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
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
More than one person per room: that is how 7.2% of households in Kilgore live, more than in Gregg County (3.5%).
More people live in each home here: 2.86 on average, against 2.51 in Gregg County.
To get to work, 82% of workers in Kilgore drive alone; in Gregg County, 82%.
Do the math
What would you pay each month for a home in Kilgore?
A typical home is within reach of the typical income
We start with a typical home in Kilgore, worth $171,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in Kilgore, which is $66,295 a year.
The calculator's FHA and conventional loan limits are those of all of Gregg 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 Kilgore. 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 $6,006 (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
$1,493
at 7.18% · 30 years
Loan amount
$168,492
Total interest
$242,420
Paid off in
November 2056
Includes $2,898 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,547 a month
Your payment · 27%
Tight
$1,547 to $1,989 a month
Hard
more than $1,989 a month
Compared with the typical household income in Kilgore ($66,295 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,141
Property tax
$205
Home insurance
$72
FHA mortgage insurance (MIP)
$76
You need at least $6,006 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 $1,493; principal and interest $1,141.
The city and its county
Kilgore and Gregg County
Kilgore is in Gregg 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).
Kilgore
Map of Gregg County, Texas, with Kilgore marked. Around it, the neighboring counties.
Kilgore
Gregg County
Other cities with a page
Kilgore's own numbers
Typical home value
$171,600
Typical monthly rent
$1,010
Typical yearly household income
$66,295
Households that own their home
71%
Effective property tax rate
1.43%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Gregg County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,232
Price change over 5 years (FHFA)
+52%
Homes in a high flood-risk zone
1.9%
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 Gregg County.
A typical home in Kilgore is worth $171,600: 16% below the county and 40% below Texas. With the typical household income in Kilgore ($66,295 a year), a typical home costs 2.6 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.
Kilgore2.6 years
Gregg3.1 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Gregg County
According to FHFA’s house price index, home prices in Gregg County rose 69% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Gregg County.
Yearly change in FHFA’s price index in Gregg County, 2016 to 2025
2016: +0.1% +0.1% 2016
2017: +0.8% +0.8% 2017
2018: +3.5% +3.5% 2018
2019: +3.3% +3.3% 2019
2020: +3.6% +3.6% 2020
2021: +12.0% +12.0% 2021
2022: +19.1% +19.1% 2022
2023: +7.0% +7.0% 2023
2024: +4.1% +4.1% 2024
2025: +2.1% +2.1% 2025
Change in FHFA’s price index in Gregg County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+2.1%
+0.8%
+2.9%
5 years (2020–2025)
+52%
+44%
+47%
10 years (2015–2025)
+69%
+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
Kilgore next to Gregg 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
Kilgore$171,600
Gregg$203,400
Texas$283,800
United States$332,700
Typical monthly rent
Kilgore$1,010
Gregg$1,102
Texas$1,403
United States$1,413
Typical yearly household income
Kilgore$66,295
Gregg$66,550
Texas$78,476
United States$80,734
See the full table
Kilgore next to Gregg County and Texas
Measure
Kilgore
Gregg County
Texas
U.S.
Typical home value
$171,600 ▼16% below the county
$203,400
$283,800
$332,700
Typical monthly rent
$1,010 ▼8% below the county
$1,102
$1,403
$1,413
Typical yearly household income
$66,295
$66,550
$78,476
$80,734
Households that own their home
71% ▲11 points above the county
60%
63%
65%
Typical yearly property tax
$2,458 ▲4% above the county
$2,368
$4,232
$3,119
Effective property tax rate
1.43% ▲0.27 points above the county
1.16%
1.49%
0.94%
Renters with high rent for their income
57% ▲8 points above the county
49%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Gregg 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 Kilgore
For a typical $171,600 home in Kilgore, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kilgore's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,493a month
Least cash to close
Down payment
$6,006
Cash to close
$11,154
Rate
7.18%
Mortgage insurance
FHA MIP · $76
Conventional, 5% down$1,462a month
Down payment
$8,580
Cash to close
$13,728
Rate
7.18%
Mortgage insurance
PMI · $82
Conventional, 20% down, no PMI$1,206a month
Down payment
$34,320
Cash to close
$39,468
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,365a month
Down payment
$25,740
Cash to close
$30,888
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Kilgore
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,493
$6,006
$168,492
7.18%
FHA MIP · $76
$11,154
580
Conventional, 5% down
$1,462
$8,580
$163,020
7.18%
PMI · $82
$13,728
620*
Conventional, 20% down, no PMI
$1,206
$34,320
$137,280
7.18%
None
$39,468
620*
ITIN, 15% down (example)
$1,365
$25,740
$145,860
8.18%
None
$30,888
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 Kilgore is $1,010 a month: 8% below the county. In Kilgore, 57% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Gregg County, by unit size. To pay the 2-bedroom one ($1,232 a month) without spending more than 30% of your income, you would need to earn $23.69 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 Gregg County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,034
$19.88
$41,360
1 bedroom
$1,041
$20.02
$41,640
2 bedrooms
$1,232
$23.69
$49,280
3 bedrooms
$1,611
$30.98
$64,440
4 bedrooms
$1,712
$32.92
$68,480
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 Kilgore
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kilgore is in ZIP code 75662.
For 2 bedrooms it is $1,210: $22 less than the fair market rent for Gregg County ($1,232).
Fair market rent by ZIP code and size in Kilgore, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
75662
$940
$990
$1,210
$1,620
$1,790
ZIP code2 bd3 bd
75662 $1,210$1,620
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Kilgore 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 Gregg 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 Kilgore or Gregg County. The ones below are statewide in Texas: they work in Kilgore 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 Kilgore or Gregg 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 Kilgore and all of Gregg 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 Kilgore?
The typical home value in Kilgore is $171,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Gregg County it is $203,400.
How much does it cost to rent in Kilgore?
Typical rent in Kilgore is $1,010 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Gregg County is $1,232.
What is the FHA loan limit in Kilgore?
Kilgore uses the FHA limit for all of Gregg 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 Kilgore?
The typical homeowner in Kilgore pays $2,458 a year, according to the U.S. Census Bureau. That is 1.43% of the home’s value; in Gregg County, the rate is 1.16%.
Where can I find free help to buy or rent in Kilgore?
We found no HUD-approved counseling agencies with an office in Gregg County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
